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Money

Personal finance articles to help you learn how to budget, save money and get out of debt! Helping you cut expenses, live below your means, live more frugally and love your life on a budget.

How to Drastically Cut Expenses to Get Out of Debt Quickly

How to Drastically Cut Expenses to Get Out of Debt Quickly

Cutting expenses to the bone is scary and overwhelming to most people.  But when you’re deeply in debt and feeling lost and hopeless you begin to search for even extreme ways to shorten your everyday expenses list!  While paying off debt, we cut these 7 expenses and found they freed up a substantial amount of money each month. I want… Read More

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5 fun savings challenges to help boost your savings all year long

5 fun savings challenges to help boost your savings all year long

SAVING MONEY can be so hard sometimes.  Hard to save yet so easy to spend! Remember back when you were a child, or if you’re a parent, think of your own children – turning something that seems otherwise boring into a game is always a great way to motivate them, right?  Yet even as adults, we are motivated by challenges… Read More

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The Best Way to Control Your Holiday Spending

The Best Way to Control Your Holiday Spending

Whether we like it or not, the holiday season is fast approaching and you need to be prepared so you don’t wake up on January 1st with a holiday hangover!  No, not the kind you get from drinking too much eggnog, the kind you get from realizing how out of hand your holiday spending became and feeling sick when the… Read More

Life, Money 0

8 Failproof Ways to Help You Improve Your Finances

8 Failproof Ways to Help You Improve Your Finances

Are you sick and tired of being sick and tired?!?  You live paycheck to paycheck and you are completely over being perpetually stressed about money?  Guess what? Your finances are out of control! These 8 tips will help you take control of your finances – and your life! I know exactly how you feel because less than two years ago… Read More

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Top 5 most important tips to pay off debt fast

Top 5 most important tips to pay off debt fast

Are you currently in the middle of a debt-free journey?  Maybe you’re not, but know you need to be? I have a ton of tips on how to pay off debt and improve your finances but today I’m going to cut out all the fluff and give you my very best top 5 crucial tips to pay off debt!  … Read More

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The Best Tips to Save Money on Travel

The Best Tips to Save Money on Travel

Wanderlust.   Wan·der·lust ˈwändərˌləst/ noun 1. a strong desire to travel. I was never a big traveler and have much preferred to be home, with my things and sleeping in my bed.  But more recently the travel bug has bitten me, which is super cool but there’s that little thing called a budget?!   When we were given this incredible opportunity… Read More

Money 0

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Hi, I’m Kristin!

I help people learn how to love life on a budget. It’s possible…I promise! This is where I share all my best tips and tricks that helped us pay off $54,000 of debt in under 22 months!

I have a heart for helping others get out of debt, reach their goals and live a positive life!

Get to know me better…

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LEARN TO BUDGET

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FOLLOW ON INSTAGRAM

Instagram post 2192505833296617682_3658814218 Look at these beauties 😍 I printed these a few weeks back and still haven’t folded them up. My other ones are so beat up, I love being able to print more whenever they get old or lost!

Tell me about your #cashenvelopes 💁🏼‍♀️ Do you print your own? Purchase them? Use plain ones from the dollar store?!
Instagram post 2190852649264118708_3658814218 Hello there to all my new friends around here...I wanted to introduce myself and welcome you to my little corner of Instagram!

My name is Kristin and I am the creator of Cents + Purpose, which includes my website, YouTube channel and Etsy shop.

I began this little business almost 2.5 years ago when my husband and I began working to pay off almost $55,000 of debt. 
Shortly after, I stumbled across the #debtfreecommunity and decided to create this new account (instead of using my personal IG) in an effort to keep myself inspired and motivated on our journey. 
While we are debt-free (except for our mortgage) I continue to share our personal financial journey in an effort to show you that it IS possible to love life on a budget!

I have 1 husband, 2 human kids, and 3 furkids.  You'll likely see more of my furkids on this page than my human kids...what can I say?  They just love me more 🤷‍♀️ Here's a few random facts about me: 🗣I usually talk alot.  I can be an over-sharer and often feel the need to explain things too much because I want people to understand my point of view. 🗣I have a Marketing degree from PSU and have never actually needed to use it in a real job. 🗣I have one sister, one half-brother and one half-sister.  My half-sister is only 10 months older than my daughter! 🗣I met my husband in prison!  But don't worry, we were both working there at the time, not living there! 🗣I've lived in the same place in PA my entire life and have never really liked it here. 
Thank you for being here!  I hope you are able to get value from my page in some way 💕

Let me know where you're from below...I'd love to see!
Instagram post 2189380691569768897_3658814218 With the new year quickly approaching I wanted to offer this #budgetingtip to remind you that January begins a new quarter!

Don't forget to consider any expenses you may have that don't occur on a monthly basis... Do you have quarterly expenses?

Do you have bi-yearly expenses? 
Do you have yearly expenses that are coming due?

Forgetting about these extra expenses can really bust your budget when they come due!

If you use my budget binder (still 40% off right now in my Etsy shop!) then now is a great time to take out the calendar sheets and fill in allllll these non-monthly expenses throughout 2020, this way you'll be prepared the whole year and avoid any surprises!
Instagram post 2188602307600429403_3658814218 I have a new video up on my YouTube channel sharing MORE frugal living tips! ⁠⠀
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This can be a tough time of year to try and save money so I wanted to share even more tips that we incorporate into our daily lives to save money every day!⁠⠀
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Some tips may only save a little and some may save you a lot but remember, these small choices compounded over time can really add up!⁠⠀
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Check out the video and leave your best frugal living tip in the comments!⁠⠀
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You can find the link to my video in my bio...⁠⠀
Instagram post 2188226039885109390_3658814218 Every item in my Etsy shop is 40% off now through December 2nd...Including my bestselling printable budget binder and budget spreadsheet!

If you’re looking for some affordable budgeting tools to help you organize your finances, save money and pay off debt!! Etsy.com/shop/centsandpurpose
Instagram post 2187544479485747982_3658814218 I am so grateful for this day each year.  I love the way our family celebrates Thanksgiving...super low key, casual attire, an abundance of yummy food and lots of love!

It's funny how when I was younger I remember thinking that Thanksgiving was kind of boring and now I appreciate this calm kickoff to the holiday season more and more each year!

I am grateful for the people in this picture.  I am grateful for people to spend the holidays with each year.  I am grateful that my husband decided to work overtime today (although he was very missed), I am grateful for elastic waistbands, and I am grateful for every single one of you 💕

Wishing you a day filled with love, gratitude...and lots of desserts 😆🥧🍗
Instagram post 2185890615338711906_3658814218 HEY!  Read THIS 👆🏼⁠⠀
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Just in case you really need to hear this, here is your reminder!⁠⠀
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Save, save, save. ⁠⠀
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Especially if you have some!⁠⠀
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Hindsight is always 20/20.  Boy, if I could have just forced myself to do this when we HAD money (especially before we had kids) it would have made the past 15 years A LOT smoother!⁠⠀
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I wouldn't trade the lessons I've learned for anything but I sure wish I could have learned them sooner 🤣⁠⠀
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Save.  Now.  Prioritize saving.  Pay yourself first. ⁠⠀
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Especially if you are in debt...pause your debt payoff and stash some money in savings.  Enough until you feel comfortable and confident it can bail you out of *most* emergencies that could occur.⁠⠀
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The very best way to do this is to automate it!⁠⠀
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Set up automatic transfers or even change your direct deposit to send a percentage (or specific amount) to your savings account each time you are paid. ⁠⠀
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When we plan to "save what's leftover" each paycheck, often you come to the end of the expenses and there's nothing left so your savings gets pushed to the next pay, then the next, etc. ⁠⠀
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Do you have a system in place to make sure you save?⁠⠀
Instagram post 2185226961689725552_3658814218 I decided to finally try this 10-year challenge and for some reason it made me feel so emotional.⁠⠀
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Gosh, what I would give to be able to go back and talk to this baby (the one holding the baby) knowing what I know now...⁠⠀
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I have so much I want to tell her.⁠⠀
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♡ I would tell her to slow down.  To enjoy the moments more...even the uncomfortable ones.⁠⠀
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♡ I would tell her to kiss that sweet boy in her arms even more (bc she already kissed him a million times a day 😆)⁠⠀
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♡ I would tell her to show herself grace.  That she was doing the very best she knew how with what she had.⁠⠀
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♡ I would tell her to spend less (way less) and save more. ⁠⠀
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♡ I would tell her that the time she thought she was broke (before she had kids) would actually be the most money she had for the next decade and to manage it wisely.⁠⠀
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♡ I would tell her that her body is beautiful, even if it didn't look the way her friends' bodies did...⁠⠀
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♡ I would tell her that she can - and will - do hard things.⁠⠀
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♡ I would tell her that God truly won't give her more than she could handle.⁠⠀
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♡ I would tell her to accept more help when it's offered.⁠⠀
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♡ I would tell her to prioritize her health - and not just physical health but mental and emotional as well. ⁠⠀
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♡ I would tell her to stop worrying so much.  I would tell her to continue to hold on tight to her faith and believe that everything really will be OK. ⁠⠀
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♡ Lastly, I would tell her for the love of all that is holy, don't ever step foot into a @target 😳⁠⠀
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What advice would you give yourself 10 years ago??
Instagram post 2184293684606697919_3658814218 It is my honor to be teaming up with some of the smartest and most inspiring women I've met through the #debtfreecommunity to give away $1000 this holiday season!⁠⠀
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This is our way of showing our gratitude to you and blessing ⁠⠀
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I'm so excited to be a part of this giveaway along with⁠⠀
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@veefrugalfox⁠⠀
@debtfreeinsunnyca⁠⠀
@babystepping2freedom⁠⠀
@inspiredbudget⁠⠀
@easy_budget⁠⠀
@asunnysideuplife⁠⠀
@thatdebtfreelife⁠⠀
@sweetfrugallife⁠⠀
@financiallifocused⁠⠀
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The giveaway begins today and runs through November 27th.  We will have 3 winners - 2 people will win $250 and 1 person will win $500!⁠⠀
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TO ENTER:

YOU MUST GO TO @debtfreeinsunnyca page, look for the giveaway post and follow the rules on her post...good luck to you...I can't wait to see who wins! ❤️🎄⁠⠀
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