Simple ways to build your $1,000 Emergency Fund, A Step-by-Step Guide

Emergency fund

The number one thing I hear when speaking with family and friends about an emergency fund…

“How can I possibly save anything when I’m already living paycheck to paycheck?”

I hear you, I was there too. At the time, I had no idea what an emergency fund was. You can read my story about how I got into debt and what I’m doing to get myself out here. I used to be good about finances. In college, I had one credit card. I only used it for things I needed and always paid it off in full every month. Then, I graduated college and learned I was expecting soon after. When I finally moved out of mom’s and dad’s, while pregnant, I “needed” new couches, and a brand new television set with an entertainment center to go with it. I “needed” an awesome baby shower, fancy baby items, clothes, and the more expensive diapers (because you know, they work better). Plus, I needed a NEW car. In hindsight, I didn’t need these things, I wanted them. All of these things added up to a lot of DEBT. While I was still managing my finances okay, I could feel a bit of financial pressure.

Then baby brother came along two and a half years later. I made small attempts to save money such as breastfeeding, using cloth diapers and wipes, and I made my own baby food. While it helped, I realized that instead of actually saving, I just shuffled the money elsewhere, like Amazon, to buy more things I didn’t need.

I became worse with money over time. Managing two kids, being a wife, managing my home, and working full-time with little sleep definitely took a toll on my abilities to keep up with finances. I missed payments resulting in overdraft fees, I made more impulse purchases, and I did not budget at all.

My turning point was when I literally had $5 before next paycheck. I had to wait to buy groceries until next payday. Luckily, payday was only 4 days away and I had no automatic payments to go through before then, but the thought of not having money to buy groceries was terrifying! I hated the feeling and I knew it was time for a change.

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Unplanned pregnancy? Not happy about being pregnant? You are not alone.









Unplanned pregnancy and not happy

Why I’m not happy about being pregnant

I had a feeling was pregnant but I didn’t want it to be true. I was having some cramps, much lighter than usual. Immediately I thought, implantation cramps. Crap. But there was still time for my cycle to come, so I waited. Then, I was late. I had just recently gotten my cycle back after two years and was irregular so I waited another week hoping I would have a cycle, nothing. Well s$&@. There I was, sitting on the toilet with a test in hand. Naturally, one of my kids come yelling and I throw the completed test on the counter. I come back to TWO LINES. Positive. After saying every curse word in the book and after I crying a little, I immediately messaged my husband, “guess we’re not done”. Two weeks prior, we had just decided that we were done. I was definitely not happy about being pregnant. You can read my post here about how I thought I was done but my behavior may have shown otherwise.

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You know you’re not done having kids when…

You're not done having kids if

You’re not done having kids when…

When my husband and I were dating, the conversation of kids came up naturally. We talked about how many babies we wanted, how many boys versus girls, and possible names. Even before we were married, we knew that we wanted children. I wanted four, he wanted two. So, we agreed on three.

After our second, we kept debating whether or not to have more children. I no longer wanted four kids. We were really unsure that we wanted to continue. Expanding our family was going to be a big decision. It meant bigger cars, possibly bigger house, and a greater need for daycare. But as I toyed with the question, I realized that maybe I wasn’t done, for sure. Or maybe I was.

If you can relate to any of these than you may not be done having children either, just saying.

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Create your own Ultimate DIY Bath Bombs

Ultimate DIY Bath Bombs

DIY Bath Bombs

When I first heard of bath bombs, I thought “hmm… just another spa product”. I wasn’t impressed and I veered away from the craze to spare my wallet. However, the more they kept showing up in my social media feeds, the more interested I became. As I researched bath bombs, I found that not only were they super cool, but they were actually really good for your skin depending on the ingredients that you chose to use or where you bought them from. Most of my DIY projects revolve around my kids so naturally I searched for DIY bath bombs with a little pizzaz to wow the kiddos. After searching for multiple recipes and trying 3, I found one that we really liked and worked well.

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My Journey to Paying Off Debt

Paying off debt

Why I decided to start paying off debt

Let me just start out by saying that I seriously hate debt. Yes, hate it. But I didn’t realize how much I hated debt until recently. Let me break it down.

I am a millennial. I graduated high school, went straight to college and got a job right away. I worked hard. I knew that I wanted to work as a Critical Care Nurse at a Level 1 Trauma Center and I knew what I had to do to get there. My parents didn’t pay for me to go to a University so I worked hard on my grades to earn a scholarship to a junior college. While at junior college, I continued to work hard on my undergrad courses while holding a part-time job to pay for my books, gas, and food while at school. I also volunteered, a lot. I earned a scholarship to go to the University of Arizona College of Nursing, one of the top colleges for nursing at the time. I focused on my courses while I held a part-time job at a hospital. I didn’t party, I didn’t have a wild spring break, I didn’t have time or money for that.

Once I graduated college, I still had student loan debt, $15,000 to be exact. But I didn’t have to start paying until 6 months after graduation! Sweet! Well, that’s where I began to get into trouble.

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