What you should do to stop being broke

This could happen to anyone. Sometimes, things don’t go according to what we previously planned, but it doesn’t mean everything is lost. You can take this as an opportunity to learn and grow new habits.

Here are 6 tips that will help you get out of your reality.

1.Write down all your expenses

Know exactly where you’re spending your money on. Write down every single item that you buy during the month.

2. Divide them

Divide all the items into two categories.

Wants: all the things you are perfectly fine living without.

Needs: all the things you can’t live without.

Also, make sure to figure out how much you spend on each category.

3. Cancel your subscriptions

Cancel all the unnecessary subscriptions, for example, your Netflix subscription or your gym membership. This step will make you have more money on the side.

4. Sell items you no longer need

This is a fast way of making some extra money. I have a post that goes a bit more in debt about this tip.

5 simple ways to make extra money”.

5. Downsize your lifestyle

Try to move to a smaller house so you can pay a lower rent or, move back to your parent’s. Be aware this is only a temporary situation, so don’t be afraid to live with them for a while.

If you’re paying a car debt, you could try to sell it, pay off your debt and get a cheaper one or, instead, you could use public transportation. Again, this is temporary.

6. Get new habits

Start cooking your own meals instead of going out to eat. Clothe shop only when necessary. Quit outside coffee and snacks, bring your own coffee and snacks with you. Make, the start of an emergency fund, a priority.

These are all the tips I have for you. I’d like to highlight the importance of an emergency fund. It’s definitely something, that in case of losing a job or any other unpredictable event, will help you get back on your feet.

Once you move forward from this moment and are finally back on you’re feet, make sure not to stop doing some of the steps on this post. Continue to stay on track of your expenses and don’t live above your means. For example, save money to buy a car instead of getting a loan. This will completely change your reality.

Thank you so much for reading it, I really hope this post helped you and, I’ll see you in my next.

How to keep productivity going

I used to struggle with staying productive throughout the day. I made a few changes that really changed my productivity levels. So, I’ll share them with you.

1.Make a list

This will help you structure your day. You’ll know what are the things you need to get done and writing them down makes a huge difference. Don’t forget to tick them out as you achieve them, it will give you a good feeling of accomplishment.

2. Have snacks with you

Having snacks and water with you will make you a lot more productive throughout the day because you won’t be feeling the need to get up often to eat. It won’t break your logic during work.

3. Start with what you dislike

As much as you may love your job, there are always a few bits that aren’t as enjoyable as we’d like. So, I advise you to start with those “chores”. This will make you want to finish them faster so you can start what you actually like, doing so, your productivity levels will stay balanced.

4. Have a clean environment

Clean and tidy your workspace. Sometimes, when we are working in a messy and clutter space, our productivity and motivation simply vanish. Having a clean and aesthetic pleasing working area makes our productivity rise.

5. Sleep 8 hours per night

Sleeping the right amount of hours per night improves the way we think, our memory and, of course, our productivity. This is crucial for us to do well at our jobs.

6. Mindset

This is probably the most important tip. You need to have the right mindset. Having a positive attitude towards your day, work and goals will definitely make you better at it. Your productivity and your happiness will completely change!

Let me know if these tips helped you. Thank you for reading it and, I’ll see you in my next post.

How to save money on groceries

On this post, I’ll be sharing with you 4 precious tips on how to save money on your groceries. There’s also a weekly meal planner available for you to download.

1.Plan your meals

Planning your meals will help you decrease the habit of buying unnecessary products. You’ll go to the shops knowing exactly what you need for your meals. I like to plan my meals weekly, so I made a printable to make your life easier! You can click here to download it.

2. Buy in bolk and freeze

This is a great way to save money because you won’t be going to the shops frequently to buy fruit and veggies, that way, you won’t be tempted to buy things you actually don’t need. Also, this really good to make smoothies and soup!

3. Make a budget

This is crucial. Knowing exactly how much you can spend on groceries will help you save so much money.

Tip: always try to stay under budget, you’ll get to use that money to buy other things or to add to your savings.

4. Avoid waste

Figure out the exact portions for you and your family. This way, you’ll avoid wasting food and end up saving a lot of money.

I also have a post on How to make a shopping list. It’s not only for groceries, but it will help you save some money as well.

I hope this post was helpful and, I’ll see you in my next post.

How to manage your time when you work at home

This post will help you manage your time, in order to be more productive and succeed at your job. There’s also a printable that you can download that will help you schedule your day.

Here are the steps to budget your time and still be productive.

1.Set Goals

Write down all of your goals for the day. Be realistic, don’t add too many things that you’ll know you won’t be able to achieve. That will only make you feel stressed and frustrated.

2. Budget your time

Out of the 24 hours of the day, take off the time you spend sleeping (8 to 9 hours) and budget the rest, in order to maximize your available time. You are left with 15-16 hours, set morning and an afternoon schedules.

I made a printable to help you design your perfect schedule for the day, click here to get it.

3. Set times

For each goal that you wrote down to accomplish during the day, add a maximum time to finish it.

4. Improvements?

Figure out what do you need to improve, what changes do you might need to make to be more productive.

Let me know if this helped you improve your time management. Thank you for reading it and, I’ll see you in my next post.

Self-care Investments that will make you save money in the long-term

Self-care should be seen as a necessity. It really is a need, it does well to our body and mind.

On this post, I’m going to focus on the physical self-care and in the future, I’ll make a post about self-care investments for our mental health.

These are things I realized I was spending a lot of money on and to be quite honest with you, I’m not willing to give up on my self-care habits because they do make me feel more confident and more happy with myself. Instead, I decided to make a few changes in order to save money in the long-term.

1.Nail Kit

I absolutely love having my nails done, but I realized I was spending 120 dollars every month on them… that’s 1,440 dollars at the end of a year! So, I decided to buy a nail kit and start getting them done myself. The whole kit (with the UV light and all of those products) was 200$. I’ll be honest, it took me a few tries and a lot of Youtube videos to get them perfect, but it’s definitely worth it!

2. At home hair treatment

My hair is super wavy and, personally, I think I look better with straight hair. So, twice a year I used to permanently straighten my hair at a salon. It is an expensive treatment so I thought I should try an “at home straightening treatment”.

The cons are:

-It’s a two people job. I definitely couldn’t do it by myself, fortunately, my mum was able to help me with it;

-It doesn’t last as long as the professional one does;

-The application is a bit messy.

The pros are:

-It feels like the chemicals are less strong (there are a few in the market that are natural and don’t have chemicals but I’ve never tried them so I don’t know if they actually work.)

-They aren’t expensive;

-You can do them at the comfort of your own home;

-My mum and I definitely had a fun time whilst doing it.

Overall, it is a good investment, it makes you save money and that is always a plus.

3. At home Gym

This is one of my favourites. I really dislike going to the gym, I’m never 100% comfortable but, at the same time, I love working out. Also, my gym membership was quite expensive.

I know I’m not the only one feeling this way about the gym, so I started to follow some Youtube workout videos. Then I bought weights and I will buy more equipment. I already had a threat-mile at home, so that helped me a lot. I definitely recommend this tip.

4. Permanent hair removal

This was definitely something I had been thinking about getting for a while. I decided to invest in an IPL device. There are several prince ranges out there which is a really good thing, I don’t remember the exact price of mine, but I know it wasn’t more than 200 dollars. This really works, it takes a lot of treatments to make the hairs completely disappear but it so worth it. Unfortunately, the biggest con about this device is that it doesn’t work on every skin colour or hair colour, you’ll have to do a little research to figure out if it’s something you’ll want to get.

5. Teeth whitening Kit

I’ve always been a bit sceptical about these, I always thought that only the whitening treatments at the dentist would work, until I tried them myself. I got mine at a pharmacy, so it was a little expensive but definitely less than going to the dentist doing the procedure. I recommend trying but just make sure to do a little research before you buy one, be sure that what you’re getting isn’t extremely aggressive to your teeth.

I hope these tips were useful and let me know which ones you’d like to try or already have tried.

Thank you for reading it, and I’ll see you in my next post.

How to work from home and be Productive

I recently started this blog and soon realized this is what I want to do for a living. I’ve never been this happy, I finally found “my purpose”. I take this blog as serious as a job, so I work really hard on it, I’m sure this will be the way that will lead me to success.

If you are a blogger or work from home and want some inspiration to be productive, then this is the post for you. There’s also a free weekly planner printable to help you organize your days, to download it click here.

This is the weekly planner you’ll get.

1.Wake up early

I like waking up early and take my time getting ready, that way I’m not in a rush meaning I’ll be really calm and relaxed once I start working. It’s also a habit that makes me feel more productive because I have more time available to do everything I set myself to do that day.

2. Do some sort of activity

I usually stretch and do a little bit of yoga and, sometimes I even do a small workout. This makes me feel very alert and ready to tackle my day. Keep in mind, running after your children to get them ready counts as a workout haha.

3. Set the goals for the day

This step will make you feel pressured (in a positive way) to accomplish everything you set yourself to achieve for the day. Make a realistic list, or you’ll be frustrated. I like to see it in a weekly planner, like that it’s easier for me to plan according to what I did the previous day. Also, at the end of the week, you will feel like you were super productive, that will boost your confidence and it will make you improve on your work every day.

4. Plan out your meals

At the end of every day, I like to make a small list with ideas for meals for the following day. This saves me a lot of time meaning I get to get more things done.

5. Have fun

Now that you spend your day being extremely productive, you deserve to have fun and relax. Be with your family and friends, watch a few episodes of your favourite series, just enjoy your time. Don’t forget to be proud of your achievements, you might not have the results right away, but you will have them!

Thank you so much for reading it and let me know if you have more tips to be productive, hopefully, the weekly planner helped you! I will see you in my next post.

Different types of savings everyone should have!

In all of my budgeting posts, I mention frequently the importance of turning a big portion of your income into savings. This is a habit we should all have because if we hustle and plan ahead when we are young, our future will be more peacefully and we will be able to enjoy every moment with the people we love.

If you’d like to learn how to budget your income then you should read the posts I’ve written about it: How to budget your income, Beginners guide to the “Cash Envelope” system and the Beginners Guide to the “50/30/20” method.

These are the types of savings we should all have.

1.Emergency Fund

This an extremely important saving you should have. It will help you “survive” in a crisis. If, for some reason, you are left without a job or can’t work because of an illness or you might need to assist a family member, then having this money will make things less stressful.

It should be 6 months to a year worth of bills and debt payments, as well as groceries and other needs.

2. Investment

Having money on the side for future investments that will make you more money, is actually a really good strategy for the future. For example, it could be money to invest in a property so you can rent it and make it a source of passive income. It should be something to start thinking once all of the more urgent savings accounts are more secure.

3. Long-term Savings

This type of savings is meant for something that you know you are going to want or need in the next 10 years. It could be, for example, a house, certain debts covered, university funds for your children, etc.

4. Short-term Savings

If you’re planning, in the next 5 years, upgrading to a new or bigger car/house or for example you want to renovate your space, or even a holiday this is exactly the type of savings account you’ll need.

5. Retirement

This is probably the most important one because we know this is inevitable, we are going to retire someday and we’ll need a fund to live off. Since it’s something more down the road it means we have more time to save but it also means that we have an opportunity to save more and make our retirement less stressing and more enjoyable.

So these are the several account savings we should have. I know not everyone has an income that can cover all of this, but what I want to transmit to you is that even a small amount of money towards them, will have a really positive impact on your future.

Check 5 simple ways to make extra money if you’d like to have a few ideas to earn extra money.

Thank you for reading it and I’ll see you in my next post.

Beginners Guide to the “50/30/20” System

There are several budgeting techniques and it makes the process of choosing which one works best for us a bit overwhelming. So, my goal is to explain the several existing methods, in order to make your decision slightly easier.

I also have a Beginners guide to the “cash envelope” system, if you want to learn a bit more about it.

The 50/30/20 categories

50%- corresponds to every need you have throughout the month. These needs might be rent/mortgage, utilities, groceries, car payments, etc.

30%- corresponds to your wants. For example clothes, memberships, subscriptions, dining out, etc.

20%- corresponds to your savings.

How to budget according to this system?

1.Figure out the exact amount you can work with

I always start with this step in all my budgeting posts but trust me, this is crucial in for you to succeed at it. You need to know the amount that is left after deducting your taxes, social security, etc.

2.Calculate the amount for each category 

Income (step1) * 0,5= Needs

Income (step1) * 0,3= Wants

Income (step1) * 0,2= Savings

These will be the exact amounts you’ll be able to spend on each category.

Tip: try to stay under budget in the needs and wants categories, that way, you will be able to add more to your savings. Enabling you to create future investments, savings account, an emergency fund or even pay off any debt quicker.

Feel free to adjust the percentages if you think that will benefit you. Overall, it’s a really good method to start a budgeting journey and increase your savings.

Thank you for reading it, and I’ll see you in my next post.

Beginners Guide to the “Cash Envelope” System

The “cash envelope” method is a great way to save money, to pay off debt and even to build your retirement account. It’s actually an easy way of achieving some of your goals, you get to save for that dream holiday, for the house of your dreams, for the huge wedding you’ve always dreamt of or even to plan the move for the country you’ve always wanted to live in.

So, here’s how this method works:

1.Figure out what you can work with.

Start with your tax and expenses free income. Know exactly the amount you’ll be able to take out of your bank to use it on the envelopes. Keep in mind, some things are paid with your debit card, just make sure to incorporate them on your budget.

If you need help making your budget, you can read this post that I wrote on How to budget your income.

2. The categories

This step may be different from mine. I’ll give a few examples with my categories, but you should adjust them to your life. Mine are: Groceries, needs, knowledge investment and fun money.

3. Choose the envelopes

Try to get envelopes with different colours, this will help you memorize which envelopes correspond to which categories and also because they’re cuter! I use paper envelopes but there are other envelope systems, for example, the Dave Ramsey’s.

4. Fill your envelopes

Now that you know your budget and you have the categories on your envelopes, you can start filling them with the specific amount that you designated for each.

Don’t forget to leave the money meant for the things you’ll pay with the debit card in the bank.

5. What’s next?

Well, now you go shopping and only spend what’s in the envelopes. Some people like to just have their envelops when they’re going shopping. To be quite honest, it’s something that bothers me, so when I go shopping I take the amount from the specific category and put it in my purse.

6. At the end of the month

Whatever is left on the envelopes and on my bank account that I didn’t use that month, I put it into savings. That was key to sky-rocket my savings account.

I really hope you try this method. Thank you for reading it. I will see you in my next post.

5 Fun ways to save money

Here are 5 ways to save money. You will have access to 3 free printables. They will help you keep track of your savings and it will make it a lot more fun.

1.Save $800 in 20 weeks

You can click below and download this printable. You just need to mark off the amount as you go!

Click here to download it.

2. Save $1,820 in a year!

This is one of my favourites. If you save 5 dollars every day, at the end of a year you’ll be left with $1,820! It could be your emergency fund, for example.

3. The $120 Challenge

Every month put away 120 dollars and at the end of a year you’ll have gathered 1,440 dollars!

4. 12 week challenge

Save $300 with the help of this printable. You just have to download it. Have fun!

Click here to download it.

5. Save $1,270 in 6 months

With the help of this printable, at the end of 24 weeks you’ll have 1,270 dollars to spend on whatever you want.

Click here to download it.

I really hope you enjoyed this blog post, it was so fun to make these printables for you. Thank you so much for reading it, I’ll see you in my next post.