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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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Monthly Budget Spreadsheet $8.47
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I need to brag on some of these amazing people I met this weekend (I'll tag them in this pic)

When I went to the @ramsey.solutions Influencer Event this past weekend I was SO nervous.

In fact, I had been nervous since the day I was asked to go. I only knew of a small handful of people attending and I was so out of my league but I kept reminding myself that God was putting me right where I was supposed to be.

When I received the email a week or so before with the Who's Who list that contained the bios and accolades of all the attendees I considered canceling... The negative tapes just kept playing in my head over and over again.

I mean, I had been feeling sick lately so I probably just shouldn't go.

Why go and embarrass yourself?
Your blog doesn't have the pageviews theirs does.

Your YT channel is so small compared to theirs.

You never even completed the course you started almost two years ago.

I felt small.

But I went anyway.

I went anyway because this was literally the opportunity of a lifetime.

Somehow I had got invited and even though I couldn't figure out why I knew it was God putting me there.

This was my first time traveling all by myself (crazy, right?) and I was secretly hoping I'd miss my flight but I made it, in fact, everything went perfectly.

Because this is where I was supposed to be.

I thought I'd have no one to spend the free time with or go to dinner with but instead, I instantly clicked with this amazing and inspiring group of women I'd only known through a screen until now.

This online business world is so funny. Sometimes I feel as though I almost live a double life...trying not to drive my family and friends crazy talking about it since they don't get it and bonding with people through a phone?

Finally being able to spend time with likeminded people who get it, who made me feel welcome, who have the same challenges and struggles as I do and who have been on similar life journeys as I am was an experience I had been craving for some time now.

The Ramsey team taught us so much and put on an incredible event and I'm so grateful but getting to bond with so many wonderful people was just what my soul needed ✨

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Did you know that food is usually the 2nd largest monthly expense for most family second to housing?⁠⠀
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Do you know how much you *realllllly* spend on food each month?⁠⠀
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Did you know that food is almost one of the easiest places to slash your budget if you're struggling to find extra money each month? ⁠⠀
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When we first began tracking our spending I was shocked to see we spent anywhere from $800-$1000 on food each month for a family of four! ⁠⠀
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After I got past my outrage 😜I realized that we were basically throwing money away each month since so much food was going to waste!⁠⠀
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It's fine to spend that much money if 1) you're able to afford it and it fits in your budget and 2) you're actually eating all the food you purchase if not, you're just wasting money like we were...⁠⠀
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I began taking inventory of our cabinets/pantry/fridge each week before shopping then sitting down to create a meal plan! I used to do this on a monthly basis, which took longer but was awesome to have it done for a whole month!⁠⠀
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This process allowed me to only add to our weekly grocery list what we actually needed to make our meals each week and be intentional with eating any food leftover and reducing our waste to almost nothing! ⁠⠀
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I learned a lot from research, some awesome people here on IG and worked hard to "re-train" my family's food habits! ⁠⠀
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But it worked! Committing to regular, consistent meal planning allowed us to cut our monthly food budget in half! For over two years now we have spent only $400-$450 each month on food!⁠⠀
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If you think you can't do it, you absolutely CAN, it just takes a plan, a commitment, and some effort! ⁠⠀
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I have a printable weekly meal planner you can download for free when you join my Free Resource Library on my website (link in bio) and a YouTube video that shows you exactly how I meal plan step-by-step! ⁠⠀
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You can find the link to my YouTube channel in my bio. If you can't find it, put a 🛒in the comments and I'll message you the video link!⁠⠀
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Do you currently meal plan? I'd love to know how much money it saves you each month!

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When I go to an event or have a big thing happen in my life it takes me a long time to process...⁠⠀
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It's going to take a while for everything that I experienced this weekend to really sink in.⁠⠀
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If you have heard my debt story before then you know our journey began with us taking @DaveRamsey Financial Peace University at a local church. ⁠⠀
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While we may not follow Dave's plan strictly two and a half years later, I am incredibly grateful for his teachings and ministry because it gave us the tools we needed to change our lives. ⁠⠀
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Whether or not you follow Dave's plan or share his polarizing financial opinions there is no doubt that he and his company have impacted millions of lives. ⁠⠀
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Having the opportunity to attend the Ramsey Influencer Event has been a full-circle moment, to say the least...⁠⠀
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Never could I have predicted that struggling to pay off our debt and get our finances in order would not only improve our marriage but lead to me starting a website and YouTube channel in the hopes of empowering other women to do the same in their own lives.⁠⠀
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I feel incredibly blessed to have had this experience and see the heart of the @Ramsey.solutions organization and I thank you for letting me into your lives and allowing me to share my story and my heart with you 💕

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How many of you struggle with this as much as I do 🙋🏼‍♀️⁠
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It can be so hard to focus when your attention is being pulled in so many directions...⁠
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The only way to ensure you are focused on your priorities...on the things that matter is to schedule your priorities in your week first! ⁠
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If they are "priorities" then we must "prioritize" them, right?⁠
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If we don' put them first then fill in the noise all around them they will likely continue to get pushed to the side over and over again in favor of the urgent (which may or may not actually be urgent). ⁠
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We simply cannot do all. the. things. If you are really struggling with time-management, I see you!⁠
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Try taking some time to plan your week ahead of the week beginning...almost like creating a time-budget for the week, much as we create our financial budget before the month begins.⁠
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Add in your most important things first then simply fill the rest of your to-do's around them in whatever time is left. ⁠
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If you are not intentional about how you spend your time you will be sucked in by the minutia each time...⁠
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How do you make sure you are taking care of your priorities each week?⁠

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Today on my YouTube channel I'm discussing the top 3 systems for getting out of debt!⁠⠀
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Not all debt payoff systems are created equal and the one that works better for one person may not be the best plan for you and your specific financial situation...⁠⠀
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Check out my video to see how they are different and how you can determine which system you should use!⁠⠀
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Click the link in my bio to watch the video or shoot me a message and I'll send you the direct link!⁠⠀
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Don't forget to leave me a comment on the video and let me know which system you like the best!

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Mama's! If you missed my stories the other day then I want to tell you about this fun online summit called Mamas Talk Money Summit!⁠⠀
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There are some seriously amazing people sharing their money knowledge with us FOR FREE!⁠⠀
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And here's the BEST part...you don't need to get dressed, you don't need to do your hair - hell, you don't even need to wear a bra if you don't want to 🤣⁠⠀
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In fact, you'll likely catch me in bed with my laptop, keto coffee and weighted blankie hiding from my kids and getting schooled by some of these incredibly knowledgeable speakers on topics like increasing your financial know-how on topics like budgeting, investing, retirement, raising financially savvy kids and more! ⁠⠀
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Head to the link in my bio and grab your FREE ticket to the summit! It's happening from 10/21 - 10/25 and you'll get access to over 40 amazing sessions (for 48hrs)!

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I know it might FEEL to early to chat about the holidays (trust me, I'm NOT ready for it either) but it's really not that far off!⁠⠀
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Last year was the very best holiday season we ever had money-wise and do you know why? ⁠⠀
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Because I created a Holiday Budget Planner and meticulously planned out a budget for the entire holiday season...and stuck to it! ⁠⠀
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I had never been so detailed in previous years and it made a huge difference in my bottom line!⁠⠀
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I want to help you be the boss of your finances this holiday season! ⁠⠀
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Head to the link in my bio to join my FREE Resource Library where you can download my free Holiday Budget Planner (and a ton of other helpful freebies) and get started off right before all the chaos ensues!

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I'm back with my monthly emergency fund update...Now I don't want to jinx us BUT we finally seem to be making a tiny bit of progress! Slow, yes, but still progress nonetheless!⁠⠀
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In over a full year of working on Baby Step 3 this is the first time we have surpassed the 50% mark!⁠⠀
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We are working towards a goal of $15,000 and am hoping we are still able to continue our progress even through the holiday season...⁠⠀
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I mentioned before that I believe our plan is to actually cash flow Christmas this year since we have been putting every extra penny in our emergency fund instead of working on sinking funds this year. ⁠⠀
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As soon as our #emergencyfund is complete then we will begin a few different sinking funds (and I can't wait)!!

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Got to watch this boy play in his soccer tournament this past weekend and it just reminded me how grateful I am to be building this business and be available for my children each day for whatever they may need!⁠⠀
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I know it's not everyone's dream to be a WAHM but it's always been mine and even though we are still in a season of scrimping and sacrificing, I know one day our budget will look much different than it does today! Just as it looks much different today as it did a few years ago.⁠⠀
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If you're feeling as though things will never improve I'm here to promise you that they will!⁠⠀
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Just keep going! ⁠⠀
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Make the commitment.⁠⠀
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Make the tough choices. ⁠⠀
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Make the short-term sacrifices for long-term gain. ⁠⠀
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I promise it will be worth it. ⁠⠀
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You are worth it. ⁠⠀
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Your family is worth it 💕

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Begin to Budget
5-day email course
and learn how to
create a budget
you can
actually stick to!

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Join my FREE resource library
and get instant access to free printables,
worksheets, meal plans and more
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Check back often for new content being added!

Your information will never be shared or sold to a 3rd party! By joining our resource library you are also subscribing to our Cents + Purpose newsletter. You can unsubscribe at any time.

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Join my FREE resource library and get instant access to free printables, worksheets, meal plans etc. to help you budget your best life!

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Your information will never be shared or sold to a 3rd party! By joining our resource library you are also subscribing to our Cents + Purpose newsletter. You can unsubscribe at any time.

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