Just as with most big changes, getting out of debt is a lifestyle adjustment. It’s not something you do in one big moment, it’s not something that’s done once and then over. Living debt-free is a lifestyle and a mindset… a really, really great lifestyle and mindset.
So getting out of debt isn’t just about all the things you can do to save or make money (though those help). You can actually get out of debt by simply making little adjustments to your day that have huge and lasting impact. Because when you keep up with these little adjustments, they turn into habits. And that’s when the magic starts!
So if you want to live debt-free and thus financially free, incorporate these habits into your life and watch the magic happen!
The path to financial freedom may be long, but it is exciting and full of opportunities. There are so, so, so many different things you can do to improve your financial health and there’s no better time to start than now!
My husband and I have tons of financial goals, so I am constantly on the lookout for more ways to be a savvy investor, frugal spender, and high earner.
Obviously, the easier the task, the more I love it! So that is what this list is. EASY things that you can do this year (just one a week!) to totally transform your finances and get yourself one big step (or 52 little steps) closer to financial freedom and debt-free living.
Good luck! Make this the year that changes everything!
If you’re a regular reader here, I’m sure you saw this one coming! As a documentary fanatic and personal finance fanatic, there just had to be a list of amazing business documentaries. Because those are the best!
Most of the documentaries on this list are at the top of my all-time favorites list and quite a few of them are brand new, which makes them even better. Not only will you learn from these, but most will also keep you on the edge of your seat!
Ok, now to the good stuff….Happy Watching!!
If you’d like more tips on saving money, making money, getting out of debt, and reaching early retirement, subscribe to my Financial Freedom Mailing List for notification when new posts are published. Or, if you want to receive notification for all new posts from MBAsahm, join my Main Mailing List and receive tips on living a fulfilled life, parenting, and raising happy kids in addition to achieving financial freedom. I hope you enjoy everything you read! Thanks for your time!
I know what you are thinking: “Wow, Nikki. You guys must really have a lot of fun in your house. Budgeting date night. What a blast.” And I get it. Budgeting gets a bad wrap. It’s boring, restrictive, and uncomfortable.
Unless, of course, you make it fun, empowering, and inspiring. Then, budgeting takes on a whole new life and becomes PERFECT for a date night.
THAT is what we do in our house. We’ve turned budgeting into something we look forward to. It motivates and excites us. We love it so much that we do it to relieve stress and relax. If we haven’t seen each other in a while and want to reconnect, we have a budgeting date night.
It makes us financially stronger, it helps to visualize our dreams and set goals, and every time we have one of our date nights we’re one step closer to getting to our ultimate goal of financial freedom and early retirement.
So are you ready to have the best date night ever? Here’s what you need to do to make it perfect:
Ever wish you could just get paid to drive your own car? Driving is such an expensive thing to do, and while we can minimise the costs of it by finding car insurance with no deposit to pay up front, I think we’d all be better off if we were getting paid to drive. Listen to music all day, experience some freedom, and maybe earn some extra cash? Believe it or not, there are tons of side jobs that give you that opportunity and they don’t require you to get a special license or become a full-time trucker.
In fact, some jobs that pay you to drive are not only perfect side gigs, but great for stay-at-home moms or parents that have odd schedules and small blocks of free time (or no free time at all…).
So if you’re happy in your car and think you may be up for getting paid to drive, this list is for you! All of these part-time jobs give you the chance to make money driving your own car and for the most part, on your own schedule. Good luck with your side endeavor!
I’ll be the first to tell you that nothing is as wonderful as staying at home with your kids. I’ll also be the first to tell you that nothing is as wonderful as making your own money, on your own terms, doing what you love.
And as luck would have it, you can actually do all of these things at the exact same time. It sounds too good to be true, but it’s totally achievable. You just start by making money from your hobbies!
I have not one, but two hobbies that make me money while still being a stay-at-home mom. Neither interferes with taking care of my kids. In fact, often, they’re a welcome, if not necessary part of it. But most importantly, these hobbies (both of which have the potential to become full-blown careers) provide me with more mental stimulation than I ever got in a 9-5 office setting. They also give me something to talk about with my husband that doesn’t revolve around our kids or household. And of course, they make me money, which means much more than just the extra cash around the house.
So if you’re feeling the pull to go back to work, but also have a big case of mom guilt, consider some of these hobbies that may be able to give you the best of both worlds!
Related post: 60 Ways to Make Money as a Stay-at-Home Mom
Want to find out the best alternatives to Cable TV so you can save a boatload of money and still see all your favorite shows? It’s easier than you think. This post lays out exactly how to watch TV without cable and lists the best cable alternatives that are currently available.
In my pursuit to be financially free, I’ve cut out a lot of things – pedicures, travel, shopping trips, restaurants, gym memberships, new clothes, etc. If it’s an expense, I’ve either cut it, or considered it. So obviously cable had to be put on the chopping block eventually.
What I didn’t realize was that by cutting the cable, I’d actually open myself up to watching way more TV (with no commercials) and save a boatload of money.
Not only is this a smart move to make, but it’s the direction we’re all headed, so you’re not alone. The younger half of the millennial generation doesn’t even sign up for cable when they get their first apartment anymore. So if you’re still paying for cable, you’re not just throwing money out the window, you’re also old. 😉
So what’s the trick to cutting your cable bill without giving up your late night source of entertainment?