Category: Financial Inspiration

6 Life-Changing Habits that Will Get You Out of Debt

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!

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52 Easy Ways to Boost Your Financial Health This Year

Ways to Improve Your Financial Health

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!

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10 Business Documentaries that will Completely Blow Your Mind

Business Documentaries that Will Blow Your Mind

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!


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How to Turn Budgeting into a Date Night

How to Create a Budgeting Date Night

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:

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5 Ways to Make Budgeting Easier

5 Tips to Make Budgeting Easier

I spend a lot of time writing, reading, and studying personal finance and yet I still struggle with good ole’ fashioned budgeting.  It often feels boring, depressing, and monotonous. I want to be dreaming, creating, and building! Not cutting back, canceling out, and organizing my spending.

But it’s a necessary evil.  And the more I’ve fought it, the more I’ve realized how important it is.  Luckily, along the way I’ve found different ways to make budgeting easier…and dare I say, enjoyable.   So that’s what I’ve got for you today! 5 different ways to make budgeting easier (and maybe even fun!).

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Transform Your Life with Daily Affirmations + Free Printable List

Daily affirmations are one of the easiest ways to completely transform your life and all it takes is positive-thought and self-empowerment!

Daily affirmations are one of the easiest and quickest ways to completely change your life for the better. They allow you to create your own reality, transform your future, and do things you never thought you could, should, or deserved to do.  They are LIFE-CHANGING.

And it is the simplest thing you will ever do.  You just have to do it.

I know they may sound crazy, but I’m telling you, THIS WORKS.  Think of the most successful people in the world and I guarantee they use some form of daily affirmations in their life.

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The Next Amazing Book You Need to Read: You Are a Badass: How to Stop Doubting Your Greatness and Start Living an Awesome Life

You Are a Badass: How to Stop Doubting Your Greatness and Start Living an Awesome Life

Wow, I can’t even believe it’s happened.  I HAVE A NEW FAVORITE BOOK. It may actually be better than The Miracle Morning (even though The Miracle Mornings is STILL a must-read for everyone).

You Are a Badass: How to Stop Doubting Your Greatness and Start Living an Awesome Life is brilliant.  Jen Sincero actually makes self-improvement cool.

This book was so amazing that after I read it from the library, I actually purchased it just to have a hard copy to reference.

(And I’ve read The Life-Changing Magic of Tidying Up.  So I don’t own books.  But now I own this one.)

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Why You Should Start a Blog

Why You Should Start a Blog

Honestly, I’m not exaggerating when I tell you that blogging may very well be the new American dream. It gives you everything…complete control over your life, your finances, your time.

Financial freedom. Career success. Time to parent. Freedom to travel.

That may be the gist of it, but those reasons really only scratch the surface of why you should start a blog.

Having a blog is so worth the effort it takes to make it succeed.  It is, without a doubt, the best thing I ever did for my family and my career.  And the benefits go way beyond the obvious (that it’s a flexible way to make some extra money).

So before you blow this off as something not worth your time, consider these reasons for starting your own blog:

Related post: How to Start a Money-Making Blog

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10 Things You Should Be Doing to Pay Off Your Mortgage Early (and the 1 Thing You Shouldn’t Do)

If you want to live debt-free and retire early, then you need to start by paying off the mortgage. These are 10 things you should start doing to reach that goal.

I am bound and determined to pay off my mortgage early.  It didn’t start that way, but a few years into the loan my husband and I realized there were just too many benefits to paying it off, so it needed to happen.  Since then, the desire to be debt-free has grown, while the loan balance has shrunk.

It’s an amazing feeling to watch this massive loan get smaller and smaller and I can’t wait for the day that it’s over.  What’s even more amazing has been realizing that little changes can actually cut off years of mortgage payments.  So, of course, when you add up all those little adjustments, you can seriously impact the length of your mortgage.

As with all major endeavors in life, the first step is always the most important, so if want to pay off your mortgage early, take one of these steps TODAY.

Here’s what I’m doing to pay off my mortgage early (and what you should be doing too!):

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6 Books that Will Help You Retire Early

If you want to know how to retire early, these inspirational books should be your first stop!

If you’re trying to figure out how to retire early, you’re not alone. Retirement is the ultimate dream for most of us and figuring out how to pull that off is happening more and more. It may not be easy, but it’s certainly possible!

If you’re looking for some inspiration, tools to make it happen, or just want to see if you’re on the right track, these books will help you get there.  They are full of tips and tricks that will teach you how to retire early and achieve the new American dream.

Good luck and happy reading. 🙂

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