Calling All Spending Fasters + Spending Dieters
Author: Anna Newell Jones

spending fasters spending dieters closed group on Facebook

I LOVE hearing from readers but I’m terrible with keeping my email inbox under control. I’ve been trying get my inbox under control for awhile now and it has become super, super, incredibly stressful for me. All that to say that while I love hearing from readers I hate that sometimes I’m not able to reply timely or at all. It makes me feel super shitty that someone would reach out to me for help and here I am not able to respond quickly because LIFE.

SO! I’ve come up with a solution! A lot of the emails I get most stressed about not replying to quickly are ones where people are doing a Spending Fast or Spending Diet and are looking for insights, tips, and help about a specific problem or issue that they person is going through. And, lately I’ve been getting so much out of Facebook groups that I’m a part of. I’ve been learning all about everything from Car Seats for The Littles (highly recommend if you have a kid btw) to tons of awesome photographer groups. Enjoying those groups so much got me thinking that we should have a group for people who are getting out of debt that want (need) a safe, supportive, private place to talk to other like-minded people about what they’re going through. This way we can all help each other and I’ll be able to connect with more of you more often in a more personal type of space!

If you’re currently doing a Spending Faster or Spending Diet or if you’re prepping up to do one, I’d love to invite you to join our closed Facebook Group: Spending Fasters #spendingfasters 

one comment

in Motivation, Paying Off Debt, Practical Solutions, Savings, Societal Pressures, Spending Diet, Spending Fast, Spending Fasters, Staying Out of Debt, Things To Do
Reader Question – Losing Steam
Author: Anna Newell Jones

Losing Steam and Staying Motivated When Saving Money |

Hey Anna,

I’ve got a question, and maybe you’ve already written a blog post about this… but I thought I’d ask anyway. We’re in the middle of our debt payoff. We reached the halfway point in May, which was awesome, but over the summer we’ve lost some serious steam. I haven’t kept up with the coupon-clipping, we’ve been eating out more, and we’re generally slipping back into old habits. What do you recommend? How can I get re-energized and back into our quest?

Losing Motivation but Determined



That’s a great question! But first I have to give you major congrats for getting to the halfway mark! That is HUGE! Also, it’s awesome that you’ve kept your commitment to the Spending Fast even though you’ve lost some steam. The commitment to it will get you to the end. That will make all the difference in the long run. I ran into the same issue as you have with the losing motivation thing, so here’s what I recommend:

Go back and look at why you wanted to get out of debt in the first place.

You can also:

Read More »


in Hey Anna (Reader Questions), Spending Fast
6 Suggestions To Help You Work Multiple Jobs at Once
Author: Anna Newell Jones

6 suggestions to help you work mutliple jobs at once |

Working two jobs is an excellent way to add more income into your life. Whether you are saving up, or trying to get out of debt, however, working two jobs is not always easy. Taking good care of yourself is a complete necessity if you want to avoid burn out.

On and off, for years, I have worked two jobs. I have done so either to just make rent, while still pursuing career aspirations, or to pay off debt faster (which is what I am doing right now). Here are my suggestions to succeed at more hours in your work week so that you can be more productive and accomplish your financial goals:

Suggestion #1: Don’t lose sight of yourself
You have decided to finally pay off those student loans, save for a vacation, or build an investment portfolio! Working more is a great way to accomplish these goals. However, you are a person today with people who you love and other (non-financial) goals. Continue to meet friends for board game night and work on perfecting your Downward Dog. It is all too easy to get swept up in work mode, while congratulating your savings account. It can become addicting—and fast. If you are offered what would cumulatively be your 9th day of work or overtime—think about it before jumping to the numbers in your checking account. Sometimes (when you can) say no, and go home or meet friends for pizza. Your work will actually benefit from it.

Suggestion #2: Stick up for yourself (to piggyback on Suggestion #1)
If you have already made plans and you get a call to come into work, don’t skip out on those plans just to add the hours to your paycheck; you will know the situations when you’ll HAVE to skip out of plans and head into work—but it should never become the norm. Get time for you, no matter what it is that you’d like to do. Read More »


in Career & Work
The Prepaid Card Grocery Experiment – Final Update!
Author: Anna Newell Jones

prepaid grocery budget experiment visa

For the last two months, I’ve been writing about our prepaid card grocery budget experiment in an attempt to get our ever increasingly out of control grocery budget under control.  (See post 1 and post 2.) We’ve been doing the experiment for two months now, and today, I have the final update for you on how things have been going and my final thoughts on the card.

 As I mentioned in the first post, we partnered with the Visa Clear Prepaid Program and the Prepaid Visa® RushCard and quickly learned of the program’s standards for clearly communicated fees and great consumer protections.  The RushCard meets those standards and it’s accepted everywhere Visa Debit is accepted.


Let’s get started on the final thoughts…

Read More »


in Sponsored
Deciding on a Spending Fast “Saving” Strategy
Author: Anna Newell Jones

Pay Down Debt or Build Up Savings? |

Hey, Anna!

I recently started the spending fast and have a quick question: Dave Ramsey suggests putting aside $1,000 in savings at the beginning. Do you also recommend this? I don’t really have any savings, so this might be a good idea.


Savings vs. Debt Dilemma


Dear Savings vs. Debt Dilemma,

Read More »


in Hey Anna (Reader Questions), How To, Money, Paying Off Debt, Spending Fast
What Would You Do? Stick with the Spending Fast or Travel?
Author: Anna Newell Jones

what do you think? spending fast or travel

Hi Readers! I get so many great questions from you all, and many times you are asking questions about situations that other people are running into as well. I follow a fellow wedding photographer, Jasmine Star, and on her blog, she has a great feature where you can send her a question and she’ll answer it on her blog. Seeing how well that works on her site got me thinking that would be a great solution for sharing the responses I help readers out via email. Hopefully your question or dilemma can help others too!

If you’d like me to answer a question for you here on the blog send me an email with your question to: In the subject line please write: Reader Question. I’ll change all identifying info so no one will know it’s you but me and you. I most likely won’t be able to answer every single question but I’ll try to let you know ASAP if your question will be getting selected for inclusion in a post. If your question doesn’t get selected, remember you can (and should) post about it in the Community section of the site. Get and give support! It’s a great resource!

Well, let’s go ahead and get started with the first question…

Read More »


in Hey Anna (Reader Questions), Spending Fast, Travel Cheap
Relieving Boredom & Stress While on a Spending Diet
Author: Melanie Gnau

relieving boredom and stress while on a spending diet

There’s no doubt that boredom can creep in while doing a Spending Fast or Spending Diet…especially when we don’t have our usual boredom relief “go-to’s” that we used to use pre-Spending Fast/Spending Diet (shopping, eating out, partying, etc.). See how Melanie is tackling this obstacle below, and follow along with all the Spending Fasters here. – Anna

I’m about nine months into the Spending Diet and I must admit, at this point, I am getting Bored (with a capital “B”). I’m chugging along and gritting my teeth smiling through it, but for the past couple of months I’ve felt like throwing up my hands and yelling, “F*** this! We’re going to Costa Rica!” I’ve never been to Costa Rica, but it feels like somewhere tropical and warm could solve all my problems.

Fortunately I’ve been on the Spending Diet long enough to know that spending more money, even if it is on an amazing trip, isn’t going to solve all my problems– in fact, it might create more problems. But the travel bug has got me bad. What’s a girl to do?

Well, I don’t know if it was a moment of weakness or a moment of clarity, but my husband and I went on a little weekend getaway. I had just finished planning a conference at work. It’s probably the biggest, most stressful thing I’ve ever done– even more stressful than planning my wedding or changing jobs or deciding to stop renting and live in an Airstream. And I know it’s dangerous to think this way, but I deserved to get away. Read More »


in Paying Off Debt, Spending Diet, Spending Fasters, Struggle (Hopeless, Demoralized), Travel Cheap
Saving, Making, and Earning More Money – A Spending Fast Update
Author: Kelly Newell

Saving Making and Earning More Money with Little to No Effort

My sister, Kelly, has her Spending Fast update for us below. I can’t believe how much she’s been able to save in only 4 months. NUTS. Follow all the Spending Fasters stories here.

This month the Spending “Fast” has looked a lot more like a Spending “Diet”. With 3 children I knew there would have to be some level of flexibility in there, and this month proved that. Between all the little things that have come up with regular life I’ve been tempted to forget about this entire Spending Fast thing. But thankfully(? ;) Anna is only a text away and she “gently” reminds me I haven’t submitted a post in a while.

Saving, Making, and Earning More Money with Little to No Effort… 

Untraditional Methods

I’ve been looking for ways to increase my income with little to no effort — seriously — I’m busy enough as is! Though if it ever came down to it, I always thought Starbucks would be a good place for a part time job. The change of pace is appealing, there are free drinks (I’m assuming?), a free pound of coffee to take home per week, and I hear they’ve got a great college loan payment program for employees as long as you work a certain amount of hours.

A couple things I’ve done besides getting a part time job: I signed up for a weight loss competition at my gym for $50, top prize is $6500. It was an extra expense to do the challenge but the money on the line is very motivating, and working out is not only mentally healthy for me but it’s also a pretty cheap hobby. It’s a 12 week challenge and I’m in the middle of the 5th week right now. I’ve lost 10lbs and 8.5″ so far. I’m determined to make that prize money mine. IT WILL BE MINE!!!
Read More »


in Make More Money, Spending Fast, Spending Fasters
The Year of the Hustle – A Spending Diet Update
Author: Melanie Gnau

spending fast spending diet progress report

This is a post by Melanie who has been doing a Spending Diet since July 1, 2014.  Follow select Spending Fasters/Spending Dieters here. – Anna

I’m over halfway through my Spending Diet! At this point, I’d love to tell you all how wonderful it feels to have saved $7,600, but January had me in a slump. I managed to save my goal of $1,000, but I got paid early in December and I kept thinking I had more money than I actually did.

For some reason I also schedule all my doctor, dentist and my dog’s vet appointments for the beginning of the year. I don’t know why I do that, they all seem to just fall on the same month. I’m so lucky to have insurance, but a $30 dollar doctor’s appointment, a $50 dentist appointment for my husband and myself and a $235 vet appointment adds up quickly. And although I was bummed to spend over $300 on preventative care, I know that preventative care is just that–preventative and may help me save on medical care in the long run.

This month I also went back to having just one full-time gig. I had taken on teaching a course in the fall at the community college where I work and I had earned a bit of extra money each month for it. I really enjoyed empowering my class with my infinite wisdom (ha!), but the stipend was very low and I am currently planning a conference at my full time gig. I just didn’t feel I had the time or sanity to take on both. With the stress that comes with planning a large-scale event, I’m also preemptively worried that when things get too stressful, I’ll spend, spend, spend. I’m hoping these past 7 months have taught me that the thrill of seeing a bigger number in my bank account is better than the thrill of any stressed-out sushi lunch. Read More »


in Spending Diet, Spending Fasters
FitFin + Enter to Win a $100 Amazon Gift Card! (CLOSED)
Author: Anna Newell Jones
This is a sponsored post, but, as always, my opinions are my own.
“I’m trying to help solve the personal debt crisis that’s going on in the world. If we can integrate budgeting into people’s everyday lives, in a natural way, they’ll be more likely to do it. It’s like exercise: If you want to get in better physical shape, you exercise regularly and watch what you eat. If you want to get in better financial shape, you watch your budget regularly and watch what you spend. That’s where the name FitFin came from (Fit Finances).” 
FitFin is a website and app that is three tools in one: a budget, an expense tracker, and a shopping list—and they all work in sync. You set up your budget(s) in seconds. You can create budgets for things like groceries, dining out, etc. You can also set temporary budgets for vacations and the holidays. Both individual budgets and an aggregated budget are summarized on the Budgets Overview page. You get to know where you stand in seconds. It’s all about building money-consciousness, and it’s about seamlessly (and easily) integrating money management into our lives.

A few of my fave features:

Historical Charts: To help monitor spending over time. Use this tool to find problem areas, and monitor them.

Expense Tracker: This is great because you can add anexpense quickly, take a picture of your receipt, and attach it to the expense (no more receipt piles!).

Shopping Lists: According to Reader’s Digest, eighty percent of what webuy at the grocery store is purchased every week. Rather than write milk on a piece of paper 52 times a year, store it permanently (and never leave it on the counter!). You can also save an item’s price andquantity. Then when you activate items on your list,FitFin will give you an estimated spend total for the entire list. To get the most out of the shopping list feature, you’ll enter the item, its cost, and thequantity of the item that you normally buy. You can even createseparate lists for each store.

– Something else that’s nice: the Check Budget feature that’s right within the Shopping List section. Use this to see what you’re going to spend ahead of time and how it the purchase will affect your budget. If you don’t like what you see with how your budget will be affected you get to make the decision before the purchase so you don’t get yourself into a mess by overspending.


Q&A with FitFin Creator, Rick Portillo… (Enter to win the $100 gift card at the end of this post)


Read More »


in Sponsored
Real Talk – If Only Perfection Could be Bought on Amazon (Part 1)
Author: Anna Newell Jones

am i perfect yet part 1 andthenwesaved

Am I Perfect Yet? The Solution Won’t be Found on Amazon – Part 1

Lately, I’ve been getting down on myself. Mainly because I’m not “perfect”. The list of things I expect myself to be able to do daily:

  • Have a spotless, sanitized, perfectly organized house
  • Have everything checked off my To Do List
  • Work out
  • Meditate
  • Play with Henry for a good part of the day
  • Teach Henry something new and stimulating each day
  • Read to Henry, a lot
  • Be patient, kind, and loving to my husband and every single friend I have
  • Write a blog post for this site, and for my photography site
  • Keep the plants alive
  • Pre-plan and eat healthy, home-cooked meals (that I spent as little as possible on, of course)
  • Read all the books on my nightstand (14 of them. omg)
  • Read all the articles I have bookmarked
  • Keep myself groomed and presentable
  • Walk or ride the bus everywhere
  • Plan ahead
  • Listen intently
  • Be thoughtful
  • Remember ALL THE THINGS
  • Respond timely to every email, comment, message, voicemail, etc.
  • Recycle
  • Go to bed early so I can get at least 8 hours of sleep

To say that I put a lot of pressure on myself would be a total understatement… Read More »


in Enough (Crap, Debt, Guilt), Personal, Societal Pressures, Things To Do
$321,414.89 in Debt Paid Off!
Author: Anna Newell Jones

spending fast savings total

If you’ve visited the site this week you’ve probably noticed a cool new thing up there at the top of the site. That right there is the total amount of money that has been saved/debt that’s been paid off as a result of doing a Spending Fast or Spending Diet. That amount is the total from all the readers! I went through all the older and recent emails that I’ve received along with all the posts on this blog, tweets, Facebook messages, Facebook posts, and Instagram comments (all of it!) to get the total amount of debt paid off. Now, of course, this is subject to human error and there’s no way it’s going to be 100% accurate since everyone is self-reporting, and since I don’t have a staff to fact-check but I think we can take it for what it is, and be happy with the slightly imperfect, but completely encouraging and inspiring amount of debt that we’ve all paid off as a result of the Spending Fast/ Spending Diet. If you’ve somehow communicated to me an exact amount of debt you’ve paid off then that amount is included above. If you’ve contacted me with a success story (those are the best, btw! I live for those!) but didn’t tell me an exact amount than it’s obviously not included in the total because I wouldn’t know the amount to include.

On the 1st of every month I’ll update the total at the top of the site to show our collective savings. All you have to do is comment on the Collective Savings page with how much you’ve saved/paid off as a result of your Spending Fast or Spending Diet. You can report back everyday, every week, every month, or at the end of the year. Then, I’ll tally it all up so we can all see the total amount we’ve saved.

It’s so incredibly inspiring to see how much all that hard work has been paying off and to see that the Spending Fast and Spending Diet really work, and it’s really changing lives. Every single penny that’s getting paid off is one more step closer to the Freedom Land!

If you haven’t already, consider taking The Debt Free Life Pledge.

I’m so excited about this, and I hope you are too!


in Savings, Savings Total, Spending Diet, Spending Fast, Spending Fasters
BLOG Anniversary Feeeeeelings + A Giveaway! (CLOSED)
Author: Anna Newell Jones

don't give up

If you can believe it (I can’t!) this blog started 5 years ago on 12/29/09! I started it just as a way to keep me on track while I attempted my year-long Spending Fast to try to get rid of my 6k in credit card debt (a task that I thought was insurmountable, btw). I never, EVER would have guessed that not only would I be able to absolutely CRUSH that $6,000 in debt but that just 15 months after I started the Spending Fast that I’d be completely debt-free (my mind is still constantly blown that it happened so fast!). And, who would’ve guessed that I’d still be typing away on And Then We Saved a whole 5 years later…!?!? (Not me, for sure.)

There are so many cool things I’ve got in the works for 2015 that I can’t wait to share with you. The main thing that I’ve been working on is my book that will be all about How to Do a Spending Fast! Writing it has been such a crazy experience: fun, tedious, rewarding, sometimes absolutely overwhelming but mostly completely fulfilling. Throughout the whole process, before I start writing, I’ve read this little yellow sticky note that’s taped to my computer screen. It says, “Please guide my words as I write so this book so it can be a channel to help the most people change their lives.” That’s the goal: make the book the vehicle for the Get-Out-of-Debt-as-Quick-as-Humanely-Possible-So- You-Can-Get-On-with-Your-Life-Already message! That’s the goal I hope to accomplish with the book. I absolutely cannot wait for you to read it, and have a tangible, complete and comprehensive Spending Fast guide right at your finger-tips! The book will be published in January 2016, and I’ll keep you posted about its status as I learn more throughout this upcoming year up to (and beyond) it’s release date.


A few other things I’ve got in the works:

– Developing an e-course (! can’t wait to share it with you! I think you’re going to love it!)

– Structuring a coaching program to help readers who need (or just want) more individualized attention and assistance through the Spending Fast or Spending Diet.

– Monthly updates about the TOTAL AMOUNT of debt our community has paid off or saved as a result of the Spending Fast or Spending Diet (I’m SO excited to share the current debt pay-off total with you. It’s unbelievably inspiring how much debt we’ve all paid off and put into savings so far!).

– Developing a few tangible items to help remind you of your goals every day!


Everything changed when I gave up, stopped fighting against my debt, and faced my excessive overspending. I put my hands up and succumbed (succumb?) to the reality of my reality. As soon as I realized that everything I had been trying to do to get out debt was failing miserably, and once I came clean with my friends and family about being straight up broke, and overwhelmed THAT’S when the real changes starting happening. When I gave up, when I let go, that’s when I got my power back. To gain power by giving up? Trust me, the irony is not lost on me.

Read More »


in Giveaway, Paying Off Debt, Personal, The Book! (Spender's Guide to Debt Free Living)
“I Can Do Hard Things” – Spending Fast Update
Author: Kelly Newell

i can do hard things

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!

Read More »


in Paying Off Debt, Seasonal, Societal Pressures, Spending Fast, Spending Fasters
70k in Student Loans GONE – How We Did It
Author: Elliot and Alison

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…

Read More »


in Goals, How To, Motivation, Paying Off Debt
Unplanned Circumstances Derail Spending Fast – Jennifer’s Update
Author: Jenn Davis

moving on after a spending fast derailment

Jennifer is a Spending Faster who is sharing the process here. To catch up from the beginning read this post: Introducing a New Spending Faster!. – Anna

Due to a sudden change in roommate status, I was unable to save for my first month of the Spending Fast. My roommate decided to suddenly move out, so I had to unexpectedly cover the month’s bills. I’ll get a new start in this second month. The good news is my dear friend, Tina, has decided to live with me for the next year and a half, giving me the time I need to complete the Spending Fast.

What are some of the good and bad living situations you have encountered?

I’m sure everyone has experienced it in one-way or another. I know I have many times over! But after the Spending Fast, my hope is that it will be the end of roommates.

I’m not counting this month as a total loss, but instead as a month of changing bad habits to achieve my goals. I tackled my worst habit of buying breakfast and coffee from Starbucks EVERYDAY! I am proud of myself for this WIN.  But how did I do such a thing, you ask? It wasn’t easy. I dusted off my old single serve coffee machine and got a killer deal online of T-disc for 50 cents per cup! Who knew I could get so excited over math! Changing everyday decisions like these will help me in the long run, and is why this was my first area of concentration.

This situation is so so so similar to Anna’s breakfast burrito problems. (See: Your Habits are Making You Broke)

The next thing I need to tackle is spending money on social situations. This month I went back through my online bank entries and wrote down every entry that could have been avoided. Between social situations and spur of the moment decisions, I could have avoided spending $112.49. A movie, a pizza delivery, a sushi outing and 3 bar tabs. Those were my weak moments that I need to tackle next and avoid.

I am not perfect and these were my results for the month. Looking at this in writing, and knowing that I could have the amount of $112 as opposed to $0 saved, makes me face this reality and want to do better.

So you can catch me reading Anna’s archives this month under the categories social, societal pressures, and motivation.

Month 1: $0.00 savings


Do you have some bad habits that are affecting your financial situation?

P.S. Follow along with all the Spending Fasters.


in Spending Fast, Spending Fasters
Saving $1,400 a Month With a Spending Diet – An Update From Melanie
Author: Melanie Gnau

how to save 1,400 a month with a spending diet

Melanie is sharing her Spending Diet adventures with us, and she’s got her October update for us below. I’ve got to say, I am SO incredibly proud of her! I love that she’s chosen to change her life, and whoa. Just whoa. It’s so awesome how much she’s been able to save in such a short amount of time. This is what the Spending Fast and Spending Diet is all about. Getting the hell out of debt ASAP. – Anna

After the roller coaster of money emotions that was September, I was hoping for more stability in my savings for October. And the good news is that with my second job’s back pay, I was able to save $1,400 in October! So good, right? Well, yes and no. I managed to save $1,400 which is $400 over my savings goal, but I still went over my $100 Spending Diet limit. (Insert sad trombone.)

In some ways I’m super proud of myself. I saved $1,400 in one month. ONE MONTH! Let’s go ahead and get personal, that’s over half of my paycheck (after taxes and insurance is taken out). But I’m ever the perfectionist and as much as I try, try, try to stay positive, I always seem to be a glass half empty type of gal. Why didn’t I save more?!?!

Well, there’s a few reasons:

1. I managed to get some great deals on pants at the thrift store, but I have a wedding to attend and I didn’t feel that I had an appropriate dress to wear. Could I have borrowed something? Maybe. Could I have found something cheaper? Maybe. I did use a coupon and I felt like I got a good deal, but I still spent money that I didn’t allocate to spend.

When I added that dress to my online shopping cart, I also added a skirt and a top. I justified that I could wear them to work and it was “Buy two, get one free!” It was a moment of weakness.

2. I forgot my lunch a few days this month and I had to go to the grocery store at lunch to pick something up. That was kind of unavoidable, but the nitpicker inside of me wants to say “But you should have backup snacks in your desk at work for this situation!”

Nitpicker be damned! I’m proud that I’ve managed to save over my savings goal this month. I know this holiday season is going to be difficult though. My $100 Spending Diet includes gifts. I’m currently formulating a plan for holiday spending that includes coupons, starting my shopping early and handmaking what I can. And as always, I’m trying to stay positive.


How will you, my budget-friendly friends attack your holiday spending? I’d love to hear about it in the comments! -Melanie


in Spending Fast, Spending Fasters
Save $1000 + Melanie’s Spending Diet Update
Author: Melanie Gnau

painlessly save $1000 with this simple solution

Melanie is sharing her Spending Diet adventures with us, and she’s got her September update for us below. – Anna

After the air conditioning fiasco of August, I yet again recommitted to saving more through the Spending Diet. And September was all about recommitment. This month I recommitted by pulling my $100 out of the bank at the beginning of the month and sticking to it.

There was a lot of temptation, don’t get me wrong. The weather is changing and several pairs of my pants were threadbare. You could literally see-through a pair of my work pants– embarrassing and definitely not work appropriate. I also didn’t want to blow my entire $100 bucks on one pair of pants. So I visited my local thrift shop and invested a whopping $19.41 on seven (count ‘em), seven pairs of pants. It reminded me of how much fun it can be to search among the Spongebob pajamas and Aunt Edna’s knick-knacks for gold.

I’m all about saving money, but I’m also all about the living small. We live in an Airstream, for god’s sake, so I love a good purge. This month my husband and I also made a little bit of money by selling our wares at the flea market. And what we didn’t sell, we gave away to a thrift store. I’m feeling much lighter and more committed and renewed to the saving cause.

With all that done, I also tackled one of the hardest things on my to-do list in September. I cancelled my (kind of) expensive gym membership. I had said I would cancel my gym membership to offset my cost of groceries, but I really didn’t want to do it, so I had been putting it off. I hated signing my gym cancellation papers, I felt poor and ashamed, like I had somehow failed. But it was just one of those hard cuts that I needed to make to get me closer to my dream of owning a house. With my gym membership cut, I’ll be saving almost another $1,000 per year. I’ve also been trying to keep my spirits up by looking on the brightside and working out at home. (I, of course, turned to this article on on ATWS about Losing Weight Without a Gym.)

This month was a bit of an emotional rollercoaster. Saving can be hard on the emotions sometimes, but overall I feel good about my decisions. I managed to save $1,200 this month which is a little over my monthly goal! This month also reminded me of how important it is to recommit to savings on a monthly, weekly, daily and sometimes even hourly basis! To remind myself of my ultimate goal, I like to keep little pictures around of my goal. I keep a picture of a cute cottage in my wallet. That little reminder has definitely helped, but I’m looking for more ways to remind myself of my savings goal.


What little reminders do you use to keep you on track?

P.S. The Minimalist Challenge is great for clearing out clutter, and here’s another helpful no-more-gym-no-more-fees(!) post: 9 Free and Simple Ways to Stay Healthy and Fit Without the Gym.


in Do Without, Paying Off Debt, Practical Solutions, Spending Diet, Spending Fasters, Things To Do
Should I Buy It Decision Card
Author: Anna Newell Jones

should i buy it decision card Hi there, I keep getting emails about the Should I Buy It Decision Card not working from the original post (sorry about that!) so rather than emailing it to you all individually (which I would totally do;), and have been doing) I figured I’d try uploading this again so hopefully it will work smoothly this time. Here’s the new Should I Buy It Decision Card link. (When the new page opens just click on the link again.) There are 2 – 5×7’s on 1 – 8×10 page so you can keep one and give one to a friend or keep them both and put one up by your computer screen for when you what to shop online and put the other one around your wallet, on your mirror, or save it as the wallpaper for your phone so you always have it with you. xo, Anna


in Do Without, Paying Off Debt, Practical Solutions, Take Action!, Things To Do
Put in the Effort – Get the Payoff
Author: Anna Newell Jones

put in the effort get the payoff

The Spending Fast method for getting out of debt is usually portrayed in the press and articles about me, and the blog, as being a super easy, and quick way to get out of debt. And while it IS a VERY quick, and efficient method (especially in relation to other methods), and while it IS simple, it is not easy.

While it would be amazing to be able to take a pill or snap your fingers to get out of debt instantly, it doesn’t work that way. And, we all know that. It takes time, and effort to do anything worthwhile, much less to get out of ALL OF YOUR DEBT!

To paraphrase the saying, time is going to pass whether you take the chance or not.

You might as well give this the absolute best shot you possibly can. Put in the effort. Get the payoff. Seriously, you can do this. You can do hard things. xo, Anna


in Motivation, Paying Off Debt, Struggle (Hopeless, Demoralized), Take Action!
Minimalist Challenge Update / 02
Author: Anna Newell Jones

DAY 3 minimalist challenge

I’m excited to share this week’s Minimalist Challenge update! It’s crazy to realize all the random crap that I’m been mindlessly accumulating. Oh my word… It’s kind of sickening but awesome at the same time to be taking action to end the problem!


Since I didn’t realize how much junk we’ve I’ve been “collecting” I think I want to try to do this Challenge every year. It’s turned out to be such a great opportunity to clear out all the un-needed crap, and I love the idea of lightning up our load in the springtime.

So, I started the challenge with just pulling all the obvious items that were just hanging around out in the open and got a pretty good amount of stuff to get rid of by using that method. Soon though I’m going to have to tackle the  more densely populated junk areas if I’m going to be able to make it through The Challenge.

Oh! And Aaron is participating too but he’s not taking pictures of the things he’s getting rid of so at the end of the 30 days we’ll have a big ol’ garage sale to try to make some cash off this stuff! So for most of the items when it says SELL that’s what I mean, that I’m going to try to sell the items at the yard sale first and then if it doesn’t sell, depending on what it is, I’ll either try to sell it elsewhere or I will donate it.

Today I’m going to give you the Day 3 through Day 12 progress report so with these items the total number of things I’ve been able to get rid of has risen to: 78! 

Day 3, Get rid of 3 things:

  • SELL – Name badges with lanyard
  • SELL – Empty capsules. From that one time when our doula encapsulated my placenta in our kitchen and then I ate it. Lol. TMI, much?
  • TRASH – Paint color swatches

DAY 4 minimalist challenge

Day 4, Get rid of 4 things:

  • DONATE – Bag of soaps, shampoos, and conditioners. We’ll be donating these to a women’s domestic violence shelter.
  • TRASH – Empty yogurt container with a lid. I usually save these things for random projects or leftovers but they seem to breed like rabbits. We constantly have 5 or so on hand so, yeah don’t need it.
  • TRASH – Party hat print out. If/when I ever need to make a party hat I’ll just Google it and print it out at the time I need it.
  • TRASH – Print out of questions to ask kids as they grow throughout the years. Yeah, too much clutter to keep for 18 years!

DAY 5 minimalist challenge

Day 5, Get rid of 5 things: (I can’t count apparently;) so there are 6 items in the picture)

  • DONATE – Salmon fillets. We were generously given these after Henry’s birth in November and I think that if we were going to eat them we would’ve done so by now. They’ve been frozen the whole time so we’re going to see if our friends or neighbors want them.
  • SELL – Tea boxes x 3. I really like the idea of tea but I don’t like drinking it, turns out. I do know, for sure, that I like the idea of drinking coffee since I do that everyday so I’m gonna go ahead and stick with coffee and let my tea drinking dreams drift away.
  • TRASH – Large bag of used powdered sugar and large bag of used cinnamon and sugar. From that one time I made biscuit donuts (they were amazing and so easy! I used this donut-making tutorial in case you’re interested in getting in on that donut-y goodness).

DAY 6 minimalist challenge

Day 6, Get rid of 6 things:

  • TRASH – Dark chocolate bar with almonds. Again, this is one of those things that I like the idea of more than the reality of. Just give me the milk chocolate! I’m not eating that dark chocolate (I like it in certain situations just not this one;)! I bought that chocolate bar for $2 from a girl doing a fundraiser and I’ve been struggling through trying to eat that dang thing for the last 6 months now.
  • SELL – Bandana. Never wear it. Don’t need it.
  • TRASH – Rotten banana. Aaron doesn’t think I should be able to count this towards my items total but I’m doing it anyway. (Actually, I ended up not throwing it away but freezing it to make a banana smoothie.)
  • SELL – Travel coffee mug. Got this from my old job’s Lost and Found box. It’s served me well but I just don’t need it anymore.
  • SELL – Water bottle x 2. These breed like rabbits too. Coloradoans are ALL ABOUT their water but we really don’t need as many water bottles as we have so these two are outta here!

DAY 7 minimalist challenge

Day 7, Get rid of 7 things:

  • SELL – Boots. These are actually the boots that I bought right after the Spending Fast ended. I dreamed about getting new boots and then I got them and they were disappointing. I actually don’t think I’ve even worn them but once or twice since I’ve owned them. I can tell you that I got way more joy out of doing the Spending Fast and paying off my debt than I EVER got out of those (or any other) boots! Lesson learned!
  • SELL – Books x 6. These awesome books should be loved by a new family.

DAY 8 minimalist challenge

Day 8, Get rid of 8 things:

  • SELL – Clothes x 7. Ill-fitting or don’t feel good in these.
  • DONATE – Sweater poncho. Have never worn it.

DAY 9 minimalist challenge

Day 9, Get rid of 9 things:

  • SELL – Vintage blanket. I LOVE this blanket — the color, the vibe, all of it! — but we have never even used it! Not even once! :(
  • GIVE TO FRIEND – Large mirror
  • DONATE – Shampoo, conditioner, gel, makeup remover pads, and travel-size toiletries x 3. Giving these to the women’s shelter too.

DAY 10 minimalist challenge

Day 10, Get rid of 10 things:

  • SELL – Baseball hat, fuzzy socks x 2, sneakers, heel boots, belts x 4, scarf. Don’t use these things anymore.

DAY 11 minimalist challenge

Day 11, Get rid of 11 things:

  • SELL – Magnetic clips, foam foundation, nail polish, sunglasses, hair pick, nail-polish remover
  • RETURN – Eyeshadow set. I got this set from Sephora when I was feeling splurge-y and like I wanted to be adventurous with my makeup. I’ve only used it about one time so I’m going to try to return it. They seem to have a good (read: lenient) return policy so might as well give it a try!
  • TRASH – Bar of used soap, probiotic tablets, receipts
  • DONATE – Travel-sized shampoo

DAY 12 minimalist challenge

Day 12, Get rid of 12 things:

  • TRASH – Disposable shower cap, broken pin
  • SELL – Teasing comb, top knot “donut”, travel-size hand cream, perfume, bag of hair ties, face cream, hair styling creams x 3, sunglasses

My SELL and DONATE bins are already filling up fast and it feels so good!


Read the other posts about The Minimalist Challenge intro and the last update.

Are you doing the Minimalist Challenge too? If so, how has it been going for you?


in De-Clutter, Minimalism, Things To Do
Save Money Without Thinking? Yep, Sign Me Up.
Author: Anna Newell Jones

savedplus app

You know how when taxes are automatically pulled from your check it doesn’t really seem like you’re missing out on that money since you never saw it in the first place? Yeah, that’s kind of cool in a weird way because while paying taxes stinks because you can’t spend your money the way you want it IS nice that you don’t have to write out a check every two weeks to pay what you owe. This app, SavedPlus, works in a very similar way. Had I known about this app back when I wrote the post 16 Apps that Will Help Make Your Life More Efficient and Help You Save Money I definitely would’ve included this one in the list.

In a nutshell, this is how SavedPlus works:

  • Get the app on your phone (available on iOS, Android, or through the internet if you don’t have one of those devices).
  • Fill out all the info and set up your bank account.
  • Set your goal. Want to pay off your debt? (YES!), want to get money into an emergency account?, want to remodel your kitchen?, all those options are available (plus a ton more). You can even upload a picture of your goal for added motivation which I think is a cool touch.
  • Then, decide how much you would like to save (it defaults to 5% but I would do at least 10%, if you can).
  • When you make purchases your bank and the app basically have a chat and 10% (or whatever percentage you chose) gets automatically transferred from your checking account to your savings account. The app allows save money as you spend by working like a “self-tip”. The app transfers a percentage of every purchase to a destination account (goal) of your choice.

That’s it! You set it and forget it. Other stuff you should know about:

  • Luckily, the app developers are smart and built in an overdraft protector so if your balance falls below a certain amount a transfer won’t be initiated if the balance from the funding account (typically your checking account) is not sufficient.
  • In their latest release (currently available only on iPhone) you can now open up an FDIC insured IRA account with one click and start saving to it automatically.

Anything that helps to make saving easy and painless is a win in my book!

This is a sponsored post but as always, my opinions are my own. Thanks for supporting the companies that help to make this site possible! xo!


in Sponsored
Start Where You Are
Author: Anna Newell Jones

Start Where You Are

“Start Where You Are. Use What You Have. Do What You Can.” – Arthur Ashe


in Motivation
Hey Fashionistas! Could You Conquer a Year-Long Clothing Fast?
Author: Michelle Jackson

year long clothing fast andthenwesaved

The other night I was at a local Financial Blogger meet-up and got to talking with Michelle Jackson of The Shop My Closest Project.  Michelle is one of those people who just draws you in with her good energy and enthusiasm! Turns out, the night I saw her just so happened to be the very last day of her year-long “Fashion Clothing Fast”. Kind of amazing, right? So, naturally, I had a humongous list of questions for her! Rather than talking her ear off all night with questions we set up an interview and she answered all my questions.

michelle jackson clothing fast interview

Interview with Michelle Jackson on Her Year-Long Clothing Fast…

And Then We Saved: What did you do and why did you decide to do it?

Michelle Jackson: I decided to do a year-long No Shopping Challenge. I specifically focused on my fashion spending because I felt like it was a little out of control. I also liked the idea of pushing myself beyond my comfort zone. I absolutely love fashion so if I could give that up for a year, then I could handle anything!

ATWS: How did you choose the year-long timeframe? 

MJ: I’m not sure why I decided on a year. It just felt like the right amount of time for this particular challenge.

ATWS: Did you prepare for your Clothing Fast? If so, how?

MJ: The only thing that I did to prepare was purchase a ton of underwear, and socks! I actually bought so many of both that I still have new items that I’m pulling out from last year.

ATWS: What did you think your Clothing Fast was going to be like and did it go the way you thought it would? Was it better or worse/harder or easier than you anticipated?

MJ: I wasn’t really sure what I was expecting. I thought I would experience extreme amounts of irritation throughout the year. I also thought that I would experience deep feelings of longing for certain items. Instead after the first couple of months I just got into “the zone.” I just wanted to succeed at this challenge because I needed to experience a “win” when I hadn’t experienced one in a long time.

ATWS: How much did you save by going on a Clothing Fast?

MJ: It’s hard to say exactly but I’m pretty sure that I saved between $3,300-$4,000.

ATWS: Did you ever “slip up”? 

MJ: I’m quite proud to say that I never slipped up! However, I did have a moment where I needed something new. Luckily, I had a friend who was giving away bags of clothes so I ended up getting some nice new sweaters during winter. I think if I hadn’t received those sweaters, I would have definitely purchased something.

ATWS: Did anything surprise you about not spending money on clothes? 

MJ: I was surprised at the amount of time that was freed up by not shopping. I also was surprised at how annoyed I got by the size of my wardrobe. I found that I had too much stuff. So I gave away about ½ my wardrobe. I also found that the clothes I had been purchasing for years didn’t make me feel good about myself. They were my “I’m feeling stuck in life and am gaining weight” clothes.

Prior to the challenge I had really begun working on my life and exploring how my choices were making me feel about myself. By the end of the fast I hated most of my clothes and couldn’t wait to purchase clothes that reflected how good I was feeling about life in general. I wanted: color, fashionable items, classic items, and items that were ethically made.

ATWS: Was it hard to come up with outfits? 

MJ: Not really. The only difficulty was dealing with how long winter lasted. So, I ended up cycling through my winter gear far longer than I would have liked.

ATWS: Was there anything that you were dreaming about buying throughout the year? If so, how did you deal with that desire to buy?

MJ: I really wanted to buy a cream-colored, cable-knit sweater. I wanted one so badly. I buy myself one every year and last year was the one year I didn’t. I dealt with it by sucking it up and dealing with it. What else could I do?

ATWS: So your Clothing Fast recently ended. What was the first thing you bought and how did it feel? Any guilt? (I know I experienced some after my Spending Fast.)

MJ: I had a list of items that I knew that I wanted. I ended up going to the Buffalo Exchange and purchasing some fantastic used clothes (about 20 pieces) some of my favorite items included: a lace tunic (my favorite), a grey cocktail dress from Goodwill, and FRYE boots (those were on sale). I didn’t feel guilty about shopping, but I did feel a little weird and nervous. I was afraid I’d spend too much and now I have a very strict process and budget for fashion shopping so it really has become a process of spending consciously.

ATWS: What has your Clothing Fast taught you? How will the experience change the way you shop and think about money going forward?

My Clothing Fast taught me that every single dollar you spend is important. I really didn’t think I was spending a lot until I did the Fast. I am also very committed to spending ethically, buying used, and supporting goods manufactured in the U.S.A.

ATWS: Would you recommend a Clothing Fast for others?

MJ: Yes. But, maybe not for a year ☺

ATWS: Alright, So what are your top 3 tips for having success with a Clothing Fast?

1. Have a clear “Why”. If you’re just doing it to do it, you probably won’t succeed.

2. Be content with what you have. If you’re not content, then you will crave items to fill whatever void that needs filling in your life.

3. Buy lots of underwear before you start. Seriously.

ATWS: Your story is really inspiring! What’s next for you?

MJ: I keep toying with running a half marathon. But, the thought of running one exhausts me mentally. We’ll see. I’m crossing things off my list and that has been on it for a while.

Thank you Michelle!

What do you think? Do you need a Clothing Fast? What would be the hardest part of doing a Clothing Fast for you?


in Fashion & Style, Guest Interviews, Spending Fasters
Money Saving Mind Tricks
Author: Anna Newell Jones

Money Saving Mind Tricks

This is a fun post by guest writer, Melanie! xo. Anna

I don’t own a leather duster, a wand or a top hat. I won’t be performing in Vegas or even Reno any time soon. You definitely won’t see me hanging out in a Plexiglas case, encased in ice or buried alive, but I can teach you a few mind tricks to help you save money. And really that’s better than any magic trick.

13 Money Saving Mind Tricks..

1. Automatically Draft Money Into Savings

This is by far the best mind trick I have for saving money. Set up an automatic draft to pull money from your checking account into your savings account every month. You get extra points if you set up the draft to pull to a savings account with another bank or an account is more difficult to access. You won’t even miss the money. Maaaaaaagic.

2. Never Spend Change

If you operate on cash, always break a bill instead of fishing into your change purse. Empty your change each night and gradually you’ll have a small savings. This trick is particularly useful for smaller, nonessential savings like gas money for that road trip you’ve been planning. If you don’t operate on cash, you can still replicate this process. Some banks will round your purchases to the nearest dollar and deposit that money into a savings account. If your bank doesn’t offer that service, you can easily add up the change on your purchases and move that change to a separate account. Doing the math yourself is a little a little less magical, but it works.

3. Windfalls and Unexpected Money

Those taxes returns you just got back, yeah, you worked hard for that money, but that’s no reason to run wildly to the nearest mall and blow it on a bunch of nothing. Windfalls, tax returns and unexpected money can make a great start to a rainy day savings account.

4. Freeze Your Credit Cards

Are you an impulse spender? We’ve all been there. We’re tired, hungry or stressed so we make an impulse buy. An effective and fun trick to play on yourself is to freeze your credit cards– literally. Place them in a bowl of water and put them in the freezer. Next time you want to make an impulse buy, you’ll have to wait for the water to melt along with the impulse!

5. Tape a Picture of What You Want Your Credit Card

I’ve been saving for a trip to Key West this summer. I can’t tell you what a guilt trip it is to see a picture of your long-term goal when I’m about to make an impulse buy. By wrapping my credit card and debit card in a picture of my end savings goal, I’m constantly reminding myself that afternoon trip to the vending machine won’t get me closer to my saving goal.

6. Tax Yourself

Before you make any purchase that is a “want” not a “need” implement a self-tax. Take the same amount that you’ll spend on your wanted item and transfer it to your savings account. I wouldn’t advise this as a long-term savings plan, but it the tax may defer you from making large, unnecessary purchases.

7. Pin it or Put it on Your ‘To Buy Later’ List

Sometimes just pinning that too cute bathing suit or writing down the item you want on a “Buy It Later”  list is enough of shopping rush. You’ll delay the purchase and you may even forget about it entirely. That’s magical, dude.

8. Ask for a Discount

You don’t have to play mind games with service people to get discounts. Sometimes simply asking for discounts will help you to receive a discount. Anna recently was able to cut $50 a month in expenses for ten minutes worth of phone calls!

9. Don’t Grocery Shop at Super Stores

This tip is kind of an anti-mind trick. Big box stores can trick you into spending money. You think, “Hey, I’ll just run in for bananas”, and end up with a cart full of god knows what. By shopping at a store that only sells the category of the thing that you need you’ll avoid the temptation of that new bag and the scarf… and hat… and shoes. Don’t let superstores hypnotize you!

10. Unsubscribe

Just as those pesky superstores can trick you into spending money when you are inside the store, retailers can do the same outside of the store. To avoid those ever-so-tempting online rebates, unsubscribe to retailer emails through Unroll Me. You can also avoid receiving snail mail offers through the service, Catalog Choice. These services take away the temptation before it even happens! It’s also a great tip to keep down clutter. Magic at it’s finest, folks.

11. Make it a Game

Set up a challenge between you and your spouse or you and your friends or family members. See who can save more money in a month. Award bonus points for making money on the weekends or coming up with free family activities.

12. Keep Making Payments After You Pay Off a Loan

Did you just pay off a loan? Awesome! You should be so proud of yourself. But don’t get ahead of yourself either. When people get a raise or suddenly have more money they inflate their lifestyle to match. So instead of making those student loan repayments, consider putting the same amount of money into a retirement fund. It’s making payments to your future, yo!

13. Visualize Yourself as a Wealthy Person

Athletes and top performers often cite the powers of visualization. Don’t discount the powers of visualization and affirmations just because you feel a bit silly doing it. Try visualizing yourself as a wealthy person. What does it look like? Where do you live? How do you look? What do you eat? Then work your way up to affirmations. Say your affirmations in the mirror each day. It seems so ridiculous, but after a while you’ll begin to believe. Mind magic!


What other kinds of mind tricks do you use to save money? Let me know in the comments!

Melanie is a recently married librarian living in an Airstream with her husband. Yes, it’s as weird as it sounds. Find out more about their life at Love Library.


in Paying Off Debt
And Then I Quit My Day Job
Author: Anna Newell Jones

anna newell jones

I meant to write this post awhile back, like back when it happened, but then the baby arrived and then the no sleep thing set in and then the lack of being good at balancing it all came into play. And then, wouldn’t you know it, a chunk of time had passed and this post was still on my list of things to do that just didn’t get done… Until now;)

Back at the end of October, before the baby arrived, I was able to leave my job at the state that I had for 8 years. It was a big decision for us and it was bittersweet too. I worked for a Judge that I had/have a lot of respect for and I really admire him. 

When I became pregnant I started researching my options about what to do when the baby arrived.  Normally, I would’ve just taken my three-month maternity leave and been back to work full-time probably putting the baby in daycare. But, since I made the switch to a part-time employee for the last year and a half at my position I wasn’t protected by the state’s Family Medical Leave Act (FMLA) that full-time employees benefit from. For those of you who aren’t familiar with FMLA it essentially protects your job for you so that you can go have a baby (or deal with another family issue), have time off after the birth, and still have your job when you return. FMLA protects your job. Of course, there are other details about how it works but that’s a quick, truncated version of it.

Since I wouldn’t have the option of taking maternity leave we had to decide if I would take my vacation days plus medical leave which would only add up to about 3 to 4 weeks. If 3 to 4 weeks wasn’t enough time we’d have to come up with another plan. I had a feeling that 3-4 weeks wouldn’t be enough time and I’m glad I stuck to that hunch because I didn’t start feeling like myself again until closer to 10 weeks postpartum.

We decided that even though it would be a stretch financially and that we would be stepping out of our financial safe zone that I would quit my job with the state and that we would re-assess the situation when the baby got to be closer to 3 months. I figured I could always apply for a different position with the state, if needed, and go back full-time.

Since we were going down to an official “one-income” family it meant that we had to re-evaluate all of our expenses and all of our income streams. So that’s what we did.

Time to Evaluate

We do have our wedding photography business and that has become even more important to our family as a means of survival and income. I also do freelance writing for Babble and they give bonuses if you have a certain number of visitors and that really helps out (that’s why I do those compilation posts of my favorite Babble posts from the month. I need your help in getting the bonuses so we can eat! You know, no biggie;)  I also am a Staff Writer for Wise Bread but I’ve had a little bit of a dry spell over there. This blog does generate a small amount of money through Google Ads and sometimes I will do sponsored posts (I try to only work with brands and products that are a good fit with the site’s message). I’m trying to make it all work; I’m trying to find that elusive “right” mix of everything. Sometimes it all comes together better than other times and I always try to take what works and leave the rest. Because really, what other option is there?

Since I evaluated all of the income streams I also had to look at what money was going out. On the chopping block were the ol’ cell phone data plan and gym membership. I did some research and found a pre-pay plan that was somehow $30 less a month then what I was currently paying AND it offered more. What the –?! So I called up my phone company (Verizon) and politely told them that I wanted to have the plan that was $30 less a month. I mean, duh. They told me that I had one month left on my contract so I was all set to call back in a month and just get the lower plan. Then, miraculously, they were able to access a “loyalty plan” and give me the lower price if I was just willing to extend my contract. I am happy with the coverage and service and know that I would most likely be sticking with that company anyway so I decided to go for it. Just like that, $30 saved!

(For a limited time get a single line smartphone plan for $45 monthly access with 1GB of data on Verizon Edge. Unlimited talk and text.)

(Oh, and this doesn’t really go with the story but I have to tell you, I traded in my old iPhone4s and they gave me $299 credit for it. I was then able to get the new iPhone 5s for free. Might be something worth looking into if you are looking to upgrade. I wouldn’t have upgraded if it was going to cost me anything but since it was free I didn’t pass it up!).

Next, I called my gym. I asked to talk with the membership coordinator since they would be the one with the string-pulling power and I explained how I wouldn’t be able to go to the gym consistently for a while. I asked if they could work with me on the monthly membership price. They said they could give me $20 off per month.

For 10 minutes worth of phone calls I was able to cut out $50 a month in expenses! That adds up too. Over a year, that will be $600 saved for a couple of minutes of work.

Having this experience reminds me how important it is to regularly evaluate what income is coming in and what expenses are going out. It’s so easy to get in a routine of just paying for what you’re paying when really, you might be leaving money on the table. Let’s not leave money on the table!;)

Also, this experience makes me even more grateful that I took action with deciding to do the Spending Fast, suffered through it, and got out of debt. If I still had that $23,605.10 in debt (I don’t even want to think about how much more it would’ve been at this point with interest and accruing even more debt) I wouldn’t have the freedom to even consider staying home with the baby and piecing together the different freelance incomes. I am so grateful that I have that choice today.


When was the last time you evaluated your expenses? Is it time for another look? What would your life look like if you didn’t have debt and would you make different choices if you were debt-free?


in Career & Work, Personal
Aspire to be More…
Author: Anna Newell Jones

aspire to be more

Aspire to be more, not to have more.

one comment

in Motivation
Happiness Cannot be Owned, Earned, Worn, or Consumed…
Author: Anna Newell Jones

happiness cannot be owned, earned, worn, consumed

Happiness cannot be owned, earned, worn or consumed. Happiness is a spiritual experience of living every minute with love, grace, and gratitude.

That might sound like a tall order but if we can stop and be grateful for what we have then we’ll stop trying to hunt down material items so be can have more and be better. It’s okay to just be. You’re right where you’re supposed to be at this very moment. Even if you’re in a shitty place mentally, emotionally, or financially take a second to think of 3 things that are going okay with your life. Now, do that for the next 2 weeks and you’ll dramatically improve your quality of life, and it’s totally free.


in Gratitude, Motivation, Practical Solutions
7 Signs That You’re Turning Frugal into a Dirty Word
Author: Anna Newell Jones

turning frugal into a dirty word

Living frugally and saving money when you can are skills that should be applauded, but when you cross the line from frugal to “cheapskate” or even worse to “miser” – it’s probably time to reconsider your financial strategies. Now, don’t get me wrong, being a Cheapskate with a capital “C” can be a good thing but you know what they say about too much of a good thing…

7 Signs That You’re Turning Frugal into a Dirty Word (and Becoming a Miser)…

1. You Look For Ways to Skip Out on the Tip or Part of the Bill

If every time you go out to eat you look for poor quality meals or service in order to find ways to get a discount or justify the lack of a tip – you’re not being frugal, you’re just being a miser. You don’t have to accept poor service, but if you make it a habit to find something wrong with your meal hoping to get a discount, or skimp on the tip because the waiter was a little slow to bring your refill – you’re going too far. (You might like this post: A Dilemma – Out with a Group and They Want to Split the Bill Equally)

2. You Never “Buy a Round” or Give to Others

If you go out with friends and enjoy it when they buy a round for everyone but you never do the same, you’re a miser. Not everyone can afford to buy a round for a group of people, but if you accept a free drink or meal from a friend repeatedly and never repay the favor by at least buying that person a drink or meal – not only are you a miser, but you’re not a very good friend! Remember life is about give and take, you can’t always take. You might be surprised how good it feels to be the “giver” once in a while.

3. You Skip Required Maintenance for Your Car or Home

Sure, you might save a few bucks by skipping the oil changes or not getting new brakes when they start squeaking, but the lack of maintenance is going to cost you a whole lot more in the long run. Not only that, but skipping home and car maintenance can result in safety issues and puts you and everyone around you at risk for injuries or health problems.

4. You Only Ever Think About Money

It’s clearly important to think about your financial situation and to be proactive with saving for retirement – but if you can’t seem to think about anything other than money, you’re probably starting to go off cheapskate charts. You shouldn’t cause yourself anxiety over buying a pack of gum at the gas station once in a while, especially if you have been responsible with your money and aren’t carrying loads of debt.

5. You Cause a Scene in the Checkout Line Just About Every Time You Buy Something

Does something take over you when it’s time to pay for your purchases that causes you to bully the cashier over coupons or discounts you think you are entitled to? You should be persistent if you have a coupon that should be accepted at the store, but if it causes you to become disrespectful and downright rude to try and get your savings – you’re a miser.

6. You Control Your Family or Partner By Withholding Money

If you are in charge of the family finances and routinely deny your family members access to money, you are a cheapskate with some serious control issues. If you’ve ever said “No, you can’t have money” for something your spouse wanted because your spouse upset you earlier with a non-financial issue – you may even be crossing the line to emotional abuse.

7. You Criticize Other People for How They Spend Money

It’s not really your business how other people use their money, but if you find yourself criticizing people for spending too much money or telling them they waste their money – you’re a miser. Criticize people long enough and you’ll stop getting invitations to spend time with the people you criticize!



in Money, Mooching, Social
How To Not Give Up On Your Goals Before They Get Enough Steam
Author: Anna Newell Jones

how to not give up on your goals

‘Don’t give up!’ It’s a mantra you may have heard throughout your childhood and even now that you are an adult. I know I even say here a lot. I find myself thinking, “What if someone just needs that little push to keep going?!” So I say it and write it often.

Whenever you set goals or aspire to do something for yourself, you may run at it full steam ahead but as time passes you may begin to fizzle out in your enthusiasm.

Since we’re right on the cusp of the New Year let’s consider the phenomenon of New Year’s resolutions. There are tons of funny puns about keeping with these resolutions because of the common knowledge that many resolutions go out the window in just a few months’ time. Gym memberships surge in January but die off in April when people find it hard to stay committed to life changes due to everything else going on in their lives.

To stay on course for goal achievement you first need to set reasonable goals. You need to start simple and build on different steps over time in order to achieve the ultimate goal. For instance, you don’t just say you are going to be rich in a year because it’s not a reasonable goal. You first plan to save $100 a month for six months and take the necessary steps to ensure that hundred dollars is available each month. When that goal is achieved, increase the amount to save more money within the year until you are more financially secure and can aim for higher savings goals.

Realize time is necessary to change your habits. It is believed that it takes 30 days of doing something regularly for it to become habit. You have to ease in to life changes to some extent and it will be the hardest in the beginning. Realize this upfront and you will go into the change with the right expectation. As an example, when you begin to exercise regularly, it’s really hard starting out because of sore muscles and fatigue. But the more you improve your physical fitness over time, the more energy you have and the stronger you feel.

The same concepts ring true with money. It can be really hard to stop spending money, to stop heading out to the mall for fun, to stop Googling online sales deals. But after you incorporate better financial management plans and activities into your life, it will get easier! The more positive results you see will make the changes easier to cope with and stick to for long into the future.

For me, the secret was learning how to say “No” to myself. I love to spend money and if I can step out of the cycle of overspending and guilt to finally get myself out of all my heavy debt then you can too!


What’s your plan for staying motivated with your goals for the next year? 


in Goals, How To, Motivation
25 Ways to Conquer Your Fears and Do Things that Scare the Crap Out of You
Author: Anna Newell Jones

25 ways to conquer your fears

Fears are a part of daily life. We have big fears and little fears of average and extraordinary things. While fear is a natural part of human existence, it can be the one blocker that stops you from success and achieving great things.

Here are 25 ways to conquer the fears that scare the crap out of you so you can keep moving onward and upward…

Read More »


in How To, Motivation, Societal Pressures
Never Trade What You Want Most…
Author: Anna Newell Jones

never trade what you want most

“Never trade what you want most for what you want in the moment.”

It’s so easy to go for the quick option… to pick up coffee on the way to work (or ahem, a breakfast burrito) instead of making coffee at home, or to go buy something new at the mall when there’s an event coming up instead of wearing something you already own.

I’ve found that changing your life and your habits is all about delaying what you want right this second (new clothes, lunch out, etc.) for what you want long-term (an end to the cycle of guilt, no more freaking debt). I know, way easier said then done but it really is so worth it.

You deserve to be debt-free, and you deserve to have the life you’ve been dreaming about. xo, Anna


in Motivation
“The Beginning of my Minimalist Journey”
Author: Sheila P.

minimalist journey

This is a post by Sheila P. -Anna

2013 wasn’t a year I expected it to be. In late 2012, I graduated with my Master’s, started my doctorate, and began a new job—my dream job. The new job lasted for only six weeks before I was laid off. Then I began several miserable months of unemployment. During this time, besides wallowing and fervently searching for a job, I had to go overseas for family reasons. Luckily, I had some savings for the unexpected trip, and there I was—traveling to the other side of the world with just a small piece of luggage and handbag. While overseas, not only did I have my mind off of disheartening unemployment, but I also turned to minimalism.

The Beginning of my Minimalist Journey…

Read More »


in De-Clutter, Do Without, Things To Do
Organize Your Money, Organize Your Mind
Author: Anna Newell Jones

organize your money organize your mind

Disorganization is a normal part of most everyone’s life. With our crazy schedules and only 24 hours in a day, many people say they never have the time to get their act together. While it is a common enough though process among the masses, the reality is people that claim they don’t have the time are actually guilty of not making the time.

We may not all live a life of a chronic hoarder but there are certainly parts of our lives that could use some serious organization. The trouble with making strides towards putting things in their proper place is many people just have no idea where to start. The thought of beginning something new is so overwhelming to many, they just do nothing.

Organize Your Money, Organize Your Mind…

Read More »


in Money, Practical Solutions, Things To Do
Give It to Keep It
Author: Anna Newell Jones

give what you got

I heard this really powerful saying the other day. So powerful that I felt compelled to go up to the lady and talk to her after she said it. She wrote it down for me so I wouldn’t forget it. She wrote it on a napkin; that napkin in the picture :)

“What I had, I spent. What I saved, I lost. What I gave, I have.”

I think that saying meant so much to me when I heard it because it showed me that while we talk so much the technical aspects of saving money and getting out of debt on this site that really what has become the most important piece of keeping myself out of debt, and to avoid having those bad money habits creep back into my life is to share the real and personal stuff about how I got out of debt.

What I learned throughout the years of the Spending Fast and Spending Diet is not mine to keep to myself, to hoard, to be selfish with. Sharing and giving what I know is what it’s all about. It’s also why I love it when you all tell me and the other readers what you know about saving money and getting out of debt in the comments and in the Community section. I know I don’t know it all, and I always, always learn so much from you all. Feeling sappy today for some reason… xo, anna


in Motivation
27 Secrets to Reaching Your Goals
Author: Anna Newell Jones

ways to reach your goal

Setting out to achieve goals is no doubt, noble. If you want to get out of debt, eat out of your fridge every day, work out, or just be nicer to others you absolutely can but goals will not complete themselves without work on your end. In order to be successful at reaching your goals, you must put forth the effort and keep finding ways to remain motivated in your quest.

Here are 27 ways to help you achieve the goals you have set for yourself…

Read More »


in Goals, How To
5 Very Good Reasons To Become An Extreme Cheapskate This Very Moment
Author: Anna Newell Jones

very good reasons to be an extreme cheapskate

The term ‘Cheapskate’ is not always thought of in a good light. However, in light of the economy and the need to consider your future financial situation, becoming a cheapskate is not an unreasonable goal to set. Whether you call yourself cheap, thrifty, frugal, budget-conscious, money-wise, or financially smart it doesn’t really matter. What does matter is that you are pro-actively saving cash you will need down the road.

I tell ya what, I for one, am proud to be a Cheapskate. (Errr… remember that one time?)

There are plenty of reasons to become a Cheapskate today but here are 5 for you to consider upfront in case you have doubts about the benefits of living frugally.

5 Very Good Reasons To Become An Extreme Cheapskate This Very Moment…

Read More »


in Paying Off Debt, Practical Solutions, Societal Pressures
PNC Bank Achievement Sessions Video
Author: Anna Newell Jones

spending dietA few months ago I went to New York City to shoot a couple of videos for PNC Bank’s new website. It’s pretty cool how the videos turned out and to see the paper illustrations mixed in with each instructor’s talk. My fellow instructors were Luke Landes of Consumerism Commentary, David Ning of Money Ning, and Galia Gichon of Down to Earth Finance.

I was a couple of months pregnant when the videos were shot but I wasn’t telling anyone at that point. I squeezed my bloated, nauseous body into a pair tights that the production team picked out for me and I tried to keep it all together. I had big plans to wander around New York City and go to Donut Plant and to see Stefan Sagmeister’s The Happy Show Exhibit (remember that time he kissed me? that was fun) but do you wanna know what I did instead? I stayed in the hotel room to sleep, be near a toilet (for any renegade barfing that might occur), and to watch a marathon of whatever was on Bravo. Since we don’t get that fancy channel it sounded like a perfectly sane way to spend my time in New York. And it was, totally was.

pnc bank new york trip

new york

new york trip

My 1st video is called The Spending Diet, which you can see along with all the other PNC Achievement Session videos by following that there link.

pnc bank screen shots

My 2nd video is called Setting Goals to Save More and will be released before the new year. I’ll let you know when they post that video. All the videos are solid and have a ton of useful info. I hope you get a chance to check them all out. xo, Anna


in Paying Off Debt, Personal, Spending Diet
58 of My Favorite Personal Finance Blogs and Sites
Author: Anna Newell Jones

favorite personal finance blogs and sites

This is a biggie for you. I always get asked what my favorite personal finance blogs and sites are and while I want to include every single one that exists I’ve narrowed it down to my 58 favorites (in no particular order).

58 of My Favorite Personal Finance Blogs and Sites…

1. Wisebread

I love that Wise Bread has multiple bloggers so there is always a wide variety of opinions and knowledge shared.  They cover everything from budgeting to frugal living and career advice.

2. Budgets Are Sexy

The thing about personal finance is it’s often a really boring and dry topic to read about.  At Budgets Are Sexy, Jay infuses every article with tons of personality, which makes it much more entertaining. Anything that can be done to make personal finance more interesting gets a thumbs up from me!

3. $5 Dinners 

If you thought you couldn’t eat a quality, healthy meal for $5 or less without hitting the drive through, you should check out 5 Dollar Dinners because you will definitely be proven wrong.

4. Consumerism Commentary

I like how the writer shares details from his own life while sharing personal finance tips based on current events. (Side note: Luke Landes started this site 10 year ago! It’s a granddaddy personal finance blog.)

5. PT Money

Another personal finance blog with multiple contributors, PT Money provides a good variety of finance and life tips that just about everyone can relate to. (Side note: Philip Taylor runs the site and he also runs FinCon which is a personal finance conference held in the fall every year. If you’re a personal finance site junkie it’s THE place to be. Last year FinCon was held in Denver which was super handy and I’m bummed I’ll be missing it this year because it’ll be too close to my due date so I won’t be able to fly. Luckily, it’s an annual conference!)

6. Get Rich Slowly

The time-honored financial advice of spending less money than you earn and learning to pay yourself first is the theme on J.D. Roth’s Get Rich Slowly blog.  You can’t help but be inspired if you read about J.D’s journey from $35,000 in debt to financial independence.

7. 20SomethingFinance

This is a site intended for young adults just getting started on their own, but people of all ages can apply the tips found on this financial blog.

8. Afford Anything 

The majority of personal finance blogs talk about how to live frugally and how to cut expenses.  Afford Anything talks about how to afford the things you want instead of learning to live without them, which puts everything into perspective.

9. MoneyNing 

If you’re looking for meaty, substantial articles with personal finance advice (and not so much about the writer’s personal journey), take a look at MoneyNing. (Side note: David Ning who runs the site is super nice)

10.  Eventual Millionaire 

Love how Jaime Tardy interviews actual millionaires for her blog each week, and shares what makes them successful.  Instead of just reading basic financial articles, you can gain information from real people who have actually been through the situations they’re talking about.

11. Money Smart Life  

Ben has been interested in personal finance from the time he was 12 years old. By the time he was in high school, he was already investing money.  His financial knowledge has come in handy for his family, and now he shares what he’s learned on his blog.

12. Mr. Money Mustache 

This guy (also a fellow Coloradan) retired at the age of 30, with his wife, Mrs. Money Mustache, so they could start living their lives and start a family.  They didn’t win the lottery or receive a big inheritance, they did it by learning how to become financially independent with the income they had.  This is a really inspiring blog if you hope to retire at a young age, and if you like mustaches.

Read More »


in Paying Off Debt, Things To Do
“How I Curbed the Urge to Spend on My 20 Year Spending Diet”
Author: Betsy Muse

how i curbed the urge to spend

I have been on a spending diet for the past 20 years. It started abruptly when I was laid off from work the day after I found out I was pregnant. There’s nothing like seeing your family’s income cut in half to motivate you to tighten up your budget. The spending diet became permanent eight months later when my husband and I decided I should stay home with our new daughter.

Now, that same daughter is a sophomore in college and her sister will be a freshman in August. My husband and I aren’t wealthy and we have some work to do for retirement, but our daughters will graduate with little to no debt because we were able to scale back and save for their education.

A lot of you are at the beginning of your journey to financial health. It may feel like it will be impossible to maintain a 20-year spending diet. Not only is it possible, somewhere along the way you reboot your wants and needs. At some point in the journey the diet becomes the norm. The more you save, the more motivated you become to find new ways to save.

I may sound positive and cheerful about it now, but trust me there were times when I felt like I was missing out. It’s hard to watch friends enjoying the outward expressions of financial success while you’re being practical and saving for multiple college educations.

About 15 years ago our closest friends both bought large, expensive homes. They were getting promotions, spending tens of thousands on furniture and decorative improvements. My husband was also getting promotions, but we chose to sit tight in our starter home and continue to save.

Six years ago we finally made the move. It was pretty bad timing, but because of the size of our down payment our mortgage is not under water. Our home is valued at more than we paid for it and we’ve ridden out the financial downturn pretty well. If we had allowed our egos to lead us into a home purchase before we were ready I honestly do not believe we would have fared as well.

Nothing we do is extraordinary. We exercise patience and we use as much common sense as we can scrape together when making financial decisions. We find joy in simple things and we relish experiences rather than things.

Here are five tips we used that helped us curb the urge to spend…

Read More »


in Guest Interviews, Paying Off Debt, Spending Diet, Spending Fasters
33 Ways to Save a Buck Right This Minute
Author: Anna Newell Jones

33 ways to save a buck right this minute

Saving money is something all of us can since there are so many ways you can save regardless of your income or your personal finance management skills. It’s really as easy as becoming conscious and making a few simple changes!

Here are 33 ways to easily save a buck right this minute…

1. Look in your pockets

Loose change in your pockets should be kept in a piggy bank and allowed to accumulate then deposited into your savings account.

2. Adjust your home thermostat

When you are leaving your home for the day, make sure the thermostat is set properly to prevent the heat or air conditioning from coming on unnecessarily.

3. Clip some coupons

Review the coupons pages in the newspaper or magazines to save money on the items you use most often. Keep the coupons in your wallet so you have them at checkout time and can easily discard them after they’ve expired. (Related: How to Coupon Like a Pro)

4. Sign up for loyalty rewards

Sign up for the loyalty rewards cards at the supermarket and other stores you favor. They often have exclusive deals not afforded to the general public that will save you money.

5. Unplug unused electronics

Sure it’s convenient to keep your phone charger and other electronics plugged in when they are not in use but you can save quite a few dollars in a year by unplugging anything not being used.

Read More »


in How To, Practical Solutions, Things To Do
Plant a Garden to Save Some Dough – How One Family Did It!
Author: Sarah Ann Noel

plant a garden

This is a guest post by Sarah Ann Noel…

My husband, Trevor, has a green thumb, remnant of a country-boy upbringing, I imagine. When we were house hunting a few years ago, his number one priority was a backyard for a beautiful garden. And, mind you, this was before gardening was a cool hipster thing to do. So I rolled my eyes and shrugged my shoulders through the entire first planting season after we moved into our house. He poured hours into that garden, moving raised beds to different places in the yard, carefully mapping and marking what should go where at what time.

How to Plant a Garden and Save Some Dough in the Process… 

Read More »

one comment

in Family, Friends, & Relationships, Food, Groceries, & Recipes, How To, Practical Solutions, Things To Do
18 Money Mistakes We’ve All Made and Can Totally Get Past
Author: Anna Newell Jones

18 money mistakes we've all made that we can get past

Money mistakes are pretty common even among those of us that practice good personal financial management methods. In some cases, the guilt from a money mistake can linger and end up causing even more mistakes. A cycle of bad money decision and mistakes can quickly cause problems in your finances so it is best to recognize the mistakes you’ve made and make a commitment to moving on and doing better in the future.

I made a bulk of these money mistakes before I decided to change my relationship with money and sometimes the guilt from those past decisions haunts me still. By deciding to be pro-active about my money and money-related decisions I’ve been able to change negative thoughts regarding money into positive ones. Luckily, we can get past these mistakes and move on with our lives!

18 Money Mistakes We’ve All Made and Can Totally Get Past…

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one comment

in Paying Off Debt, Practical Solutions
Just When You Think About Giving Up…
Author: Anna Newell Jones

hold on

Just when you think about giving up, remember why you’ve held on for so long.

Need a boost? Bring up whatever you’re struggling with financially here in the Community area. Trust me, you are not alone.

Need a kick in the pant’s kind of boost? Read through the Debt Free Life Pledges. These people have some serious hope and motivation, and they believe they can change their lives. I believe they can change their lives too. I believe you can change your life too. Do you want it bad enough? That’s the only thing you need to decide.


in Motivation
Confession: “I Have an Addiction to Target”
Author: Amy Ridenour

addicted to target

This is a guest post by Amy C. Ridenour who has struggled with an addiction to Target. Here’s her story.  I’m sure many of us can relate… 

Confession: “I have an addiction to Target”… 

Read More »


in Do Without, Paying Off Debt, Societal Pressures, Struggle (Hopeless, Demoralized)
A Friendly Reminder To…
Author: Anna Newell Jones

push yourself

That’s all.

one comment

in Motivation
18 Ways to be a Savvy Summer Saver
Author: Chelsea Overton

ways to be a savvy summer saver

Summertime is here! I absolutely love the summer months but they are usually the months when I have the hardest time sticking to my budget because of all the fun things to do! While the sunny days and festive nights are great staying frugal is where I’m focusing my efforts.

Here are 18 ways to be a Savvy Summer Saver…

Read More »


in How To, Practical Solutions, Seasonal, Things To Do
Let’s Talk, A Heart-to-Heart Pep Talk From Me to You
Author: Anna Newell Jones

nothing worth having comes

Anyone who has a significant amount of debt can tell you that trying to eliminate that debt is hard work because nothing worth having comes easy.

Getting out of debt IS absolutely, completely worth it but it is generally, not an easy process. But, get this- you/me/we CAN do hard things. The secret is to keep going. Keep going when you do not want to and when your motivation starts to fade. Remember back when you decided you wanted to get rid of your debt? Remember when you signed the Get Out of Debt Pledge and decided you were going to change your life? Remember how excited you were and how you were committed to doing whatever needed to be done to get out of debt?! I want you to go back to that place and time and reactivate that drive and motivation.

I want you to know that it’s normal to have wavering motivation. Sacrificing stuff sucks. Turning down trips, concerts, dinners out can be a total bummer, and that’s okay be sad about sacrifices! Remember WE CAN DO HARD THINGS.

Recommit and get the heck back on that money-saving train! I want you to have a new life. You deserve to be free from debt and you deserve to have that terrible, soul-sucking debt cloud removed from your life. You deserve to walk lighter and to hold your head higher. You deserve guilt-free vacations. You deserve that new pair of shoes or fancy, delicious coffee and warm morning muffin on the way to work once in a while but you deserve them guilt-free! You deserve to know that you can set your mind to something, and that you can actually accomplish it. You deserve to have ZERO DEBT. You deserve to have freedom! You deserve autonomy! You deserve all the best that life has to offer and let me tell you, nothing feels as good as being debt-free. Do it for you. Getting out of debt is the best gift you could ever, ever give to yourself!

Still not convinced that lacking motivation is part of the getting-out-of-debt process? This is how it all went down for me (in a nutshell)…

Read More »


in Motivation, Paying Off Debt, Personal, Student Loans
An Exciting New Way to Conquer Student Loans
Author: Anna Newell Jones

student loans reward program
There’s no question that student loans are completely overwhelming for a majority of people (they were for me). We’re all encouraged to get higher educations, take on massive amounts of debt when we’re fresh out of high school (at an age when most of us can’t even begin to fathom the amount of student loans we’re happily signing up for) in hopes of an amazing future (I eagerly did it!). Fast forward to 6 months after graduation and you’re obligated to start paying back the loans. Things go fine for awhile but reality soon hits when you see that the majority of your income is going to pay back your student loans.

So how do you continue to trudge along paying off the student loans while not getting discouraged in the process, and come out victorious over those big ol’ debts? I’m happy to report that there is a new tool that will help…

With national student loan debt exceeding credit card debt in 2012, SimpleTuition decided to create a unique new rewards program to help the 38 million Americans pay down their student loan debt faster. The new rewards program is called SmarterBucks and it is innovative. The program is completely free and gives users cash-back on their everyday purchases that go directly towards paying down student loans. Whether it’s through purchases online through their Marketplace, taking branding surveys, financial literacy quizzes, or day-to-day spending using the SmarterBank Visa debit card, SmarterBucks users earn rewards on the money they are already spending to help them pay down their student debt faster.

There are 6 Key Ways to Earn Rewards (with more on the way):

1. The SmarterBucks Marketplace

The Marketplace has hundreds of brands that can earn members anywhere from 1-16% with online purchases.

2. Gifted rewards from family and friends

Family and friends can sign up for SmarterBucks and SmarterBank and gift any earned rewards to the recipient of their choice. A SmarterBucks member can have as many Gifters as they want.

3. Contributions from family and friends

SmarterBucks members can invite family and friends to make one-time or recurring monthly contributions from their credit/debit card that goes directly toward paying down that member’s designated student loan.

4. SmarterBank® Visa® Debit Card

With the (optional) SmarterBank Visa Debit Card, members will earn SmarterBucks rewards on all non-PIN purchases that they make with the card.

 5. SmarterBucks Exclusives

Special offers, often arranged directly with the merchant, offers discounts that can’t be found in the SmarterBucks Marketplace.

 6. Monthly SmarterBucks Giveaway

Every month all SmarterBucks members are automatically entered to win anywhere from $1,000-$2,500 in SmarterBucks. (Love this!)


Do your student loans weigh you down and how are you conquering them? 

This is a sponsored post but as always, my opinions are my own. Thanks for supporting the brands that help make this site possible! xo!


in Sponsored
51 Things to Spend Your Money on Other Than Gas
Author: Lauren Mikus

51 things to spend your money on other than gas

There are more exciting places to take your money than the pump!

The current cost of gasoline is averaging around $3.80 in Denver and DC, $3.90 in Portland, $4.00 in LA, and $4.10 in Chicago.  That means that you urbanites dwelling in these cities and beyond are spending at least $50 a month in gas.  Here at And Then We Saved, we practice “Saving where we can, so we can spend where we want.” So it’s all about utilizing public transportation, hopping on your bike, or commuting – if the distance is less than 10 minutes by car – just walk.  Plus, we need at least 30 minutes of uninterrupted exercise per day anyways!

This list is based on the notion of freeing up 50 dollars per month.

51 Things to Spend Your Money on Other Than Gas…

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in Environment, Just For Fun
Turns Out, Change is Great!
Author: Chelsea Overton

change is great

This is a post by Chelsea who is currently doing a Spending Fast®.

Change can be such a scary concept! Leaving the life rituals that you are used to and starting something new seems almost suffocating at times.

I was living in Ohio and having to work two jobs because after seven months of living there, I still couldn’t find full time employment. The world as I knew it ended and here I am, three weeks later, sitting in my new apartment in North Carolina with not one but two full time job offers. I have no idea which one to pick! How did I get to this point? Does it matter? What an awesome predicament!

Change is awkward and uncomfortable and unfamiliar but sometimes it’s good. Although I am very lonely and unhappy about my recent relationship split, I now have time to focus on my career. Which, when on a Spending Fast, is a great thing! What do I wanna be when I grow up? I have no idea! Now is a great time to channel my energy into figuring that out.

During the move, the bottom drawer to my dresser decided to break. My apartment has a big enough closet that all of my dresser items can fit inside it. As I was starting to take the dresser to the dumpster, I realized that I don’t have a desk. And a desk is really just a dresser without the drawers! So I took that bad boy back inside and started unscrewing the drawer brackets. After about 30 minutes of work, I have a new desk! It got beat up a bit in the move so I will have to paint it but instead of spending money on a desk, I created a free one. I changed something familiar into something new and useful.

After thinking about it, isn’t that what being on a Spending Fast and paying off debt is all about? Deciding to commit to the change instead of pushing against it. Changing your spending habits may seem weird and uncomfortable now but in the long run, it’s going to be beautiful and make your life more functional.


What are some ways a life change turned out surprisingly well when at first you weren’t sure it’d all work out okay?

Chelsea Overton is in the midst of a Spending Fast® and writes about it from North Carolina with her bulldog, Xena the Warrior Princess, by her side. 


in Motivation, Spending Fast
Being Frugal Is Better Than Shopping – Yes, Seriously
Author: Anna Newell Jones

being frugal is better than shopping

There can be a certain physical reaction you experience when you are out shopping – something that feels similar to complete euphoria when you find the oh-my-gawd-perfect-handbag or those awesome-fitting-jeans. For some people the reaction goes way deeper in that shopping becomes a high they can’t seem to live without. While not everyone has a true addiction to shopping, it can still be a satisfying experience.

Know what else can be satisfying? Being debt-free for life!

Imagine no longer having the stress of worrying about how you plan to pay your electric bill. Focus on how amazing it would feel to not have to cringe every single time your telephone rings out of fear of a bill collector on the other end.

Frugality can go a long way to debt relief and getting your financial life back on track. Finding ways to save money in your daily life will certainly exercise your mind and your creativity. Frugal can be fun! Not only that but you can achieve so much more by using your powers for good.

Why Frugality Beats Shopping Any Day…

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in Motivation, Paying Off Debt
Success is Closer Than You Realize
Author: Anna Newell Jones

success is close

It’s easy to feel discouraged when things don’t happen the way we want or if they don’t happen as fast as we’d like them to but please, keep going. Success is way closer than you realize.

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in Motivation
Keep Your Eyes On the Prize
Author: Anna Newell Jones

keep your eyes on the prize

Keep your eyes on the prize. It’s all about becoming debt-free baby!


in Motivation
Tracie Forbes (AKA Penny Pinchin Mom’s) Getting Out of Debt Sucess Story
Author: Tracie Forbes

penny pinchin mom getting out of debt story

When it comes to getting out of debt, there is a lot of information out there to help you reach your goals.  Of course, you can read pages and pages about how to get out of debt.  But, does it work?  Does anyone really ever do it?  I’m here to tell you that they do.  How do I know?  Well, I have been on both ends of the debt spectrum — from declaring bankruptcy to paying off my own debts.  I share this story with all of you, not for accolades or “atta’ girl” notations, but rather because it sometimes helps to know that you are not alone and there really can be a light at the end of the tunnel (no matter how long that tunnel might be).

“How We Paid Off $37,000 of Debt in 27 Months…”

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in Guest Interviews, Paying Off Debt
How To Figure Out Your Skills & Sell Them For Cash
Author: Chelsea Overton

how to figure out your skills and sell them for cash

This is a post by Chelsea who is currently doing a Spending Fast®.

Since starting my Spending Fast a little over three months ago, I have learned quite a bit more about myself than expected. One of the main things is that I have a lot of marketable talent that I completely didn’t realize. Last Monday I started a new job (hallelujah) and my title went from “Clerk” to “Information Technology Specialist.” I tell you this because my college degree is in Spanish. I have no formal training in computers, I just happen to enjoy working with computers. I realized this a few months ago and added my skills to my resume. After meeting a new friend, I mentioned to her that I was good with technology and she told her boss; the rest is history.

How To Figure Out Your Skills and Sell Them for Cash… 

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in How To, Make More Money, Spending Fast
DIY: How to Upcycle Your Favorite Flats
Author: Chloe Youm

how to upcycle shoes

Old is new again with this easy technique! Rather than “Let’s go shopping!” This DIY is all about making do with what you already have!

DIY: How to Upcycle Your Favorite Flats…

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in DIY, How To, Make Do & Mend
Month Two Totals: In the Spending Fast Trenches
Author: Chelsea Overton

spending fast savings totals

This post is by Chelsea who is currently doing a Spending Fast®.

My second month of being on a Spending Fast has come to an end and I must admit that I am thankful. During the first month I was all like, “Woo, look at me! I’m saving money and being awesome.” This month has been more like, “Ugh, I really want to buy nail polish and chocolate and wine and this whole not spending thing sucks.”

I know that by writing about my journey through And Then We Saved and on my personal site, I have been able to stick with my commitment. It is so tempting to cheat and buy something small every once in a while, but knowing I will have to report back on my progress has helped tremendously. I am an extremist by nature and often get pumped up about doing things and then burn out almost immediately. I jumped into the Spending Fast with the notion that I was unstoppable and could do anything. After eating cold soup (no microwave at work) and cracker sandwiches for lunch, the idea of being on a Spending Fast has become a reality. I am so grateful to receive motivation and encouragement from all the readers who share similar experiences. It’s comforting to know I am not alone.

All that being said, it’ s time to report my month two totals. Drum roll please…

My Month Two Spending Fast Totals…

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in Savings Total, Spending Fast, Spending Fasters
Is Being Cheap the Key to Living Your Dream Life?
Author: Anna Newell Jones

be cheap to live your dream life

There are a few memorable TV shows that come to mind when thinking of the word cheap skate. Think of Seinfeld’s George Costanza who always tried to get everyone else to pay for his lunch at the diner and famously ordered the cheap-o wedding invitations with the toxic envelope glue. Even junior audiences have Mr. Krabs who wouldn’t let a penny hit the floor without rushing to the scene.

While we may laugh about these funny TV personalities or mock their cheapness, there is some financial logic behind their extreme frugal personalities, and it makes me wonder, “Is being cheap the key to living your dream life?” And, if it’s not THE KEY permanently, is being a cheap skate at least temporarily the key?

I think so.

How Being Cheap Is The Key To Living Your Dream Life…

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in Goals, Paying Off Debt
“How We Got Out of Over $147,000 in Debt!”
Author: Anna Newell Jones

out of debt success story

Recently, I interviewed Jackie Beck who is the founder of The Debt Myth and creator of Pay Off Debt (an iPhone app that’s helped tens of thousands of people use the debt snowball method) Jackie and her husband paid off over $147,00o in debt and she is now dedicated to helping people get out of debt and really learn to love their financial life. That sounds pretty good to me! Here’s how they did it…

A Q&A With Jackie Beck- “How We Got Out of Over $147,000 in Debt!”…

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in Guest Interviews, Paying Off Debt
  • 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. Also! We're building a Tiny House and we're going to be on Tiny House Nation. Follow along!!

    ⭐︎Come back throughout the day for updates.


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