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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 $8.97
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LEARN TO BUDGET

Popular Posts

7 Frugal Money Habits of Wealthy People

How to Stay Motivated While Paying Off Debt

Should You Pay Your Kids Commission or Allowance for Chores?

Why Financial Care is an Important Form of Self Care You Need to be Practicing

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How would your life change if you saved more money this year than ever before? How would it feel if you were finally able to save money without struggling? ⁠⠀
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If you’re not currently able to save any money, these eight tips will help you make some major changes and save more money this year!⁠⠀
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Have you ever heard the phrase “knowledge is power”? Have you ever really thought about what that means?⁠⠀
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I believe that knowledge isn’t necessarily power, instead, the application of knowledge is power. You may have even heard all of these money-saving tips before, but have you taken the time to actually apply them? ⁠⠀
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Simply having knowledge of the tips isn’t actually giving you the power. Putting that knowledge into action? Now, that’s powerful!⁠⠀
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These 8 actionable money-saving tips will help you transform your finances (and bank accounts) this year and put you back in control of all things financial!⁠⠀
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Head to the link in my bio to read the full article...⁠⠀
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Do you have a specific savings goal you're working towards in 2020??⁠⠀

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My mom gave me this cute little plaque for my desk and I love it! It's such a great reminder every day to keep working towards my goals each day!⁠⠀
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With each new year that begins, I always need a few weeks to decompress from the holidays and process the year that came to a close before I feel like I have a clear head to focus on what's to come!⁠⠀
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I spoke a few weeks back about trying to set my goals a little differently this year and a few of you recommended I read #AtomicHabits . ⁠⠀
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It had been on my "To-Read" list for a few months but I was being cheap and trying to wait for it to come on @Hooplaapp (it hasn't yet) so I finally decided to cash in some @fetchrewards points for an iTunes card and purchase the audiobook version and have listened to it during every car ride and every shower since 🤣⁠⠀
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Instead of creating super specific goals this year I have decided to work to make small changes and strive to get 1% better each day in the following habits...⁠⠀
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🌱healthy habits - eating better, moving my body, stretching 🌱spiritual habits - meditating, prayer, gratitude⁠⠀
🌱work habits - consistency, scheduling, planning⁠⠀
🌱home habits - laundry, daily cleaning tasks, etc. ⁠⠀
🌱personal habits - morning/evening routine, skincare, etc. ⁠⠀
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I am also setting specific benchmarks I'd like to hit throughout the year with my business. 2019 was a year of decent growth for Cents + Purpose and I am incredibly grateful for every single one of you who have ever supported me or my business in any way!⁠⠀
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I've mentioned before that my focus for 2020 is 🌱G R O W T H 🌱and growth for my business is a huge part of that! I want to work to serve you better than ever and create more resources to help you throughout your own personal financial journey!⁠⠀
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Do you have a specific way you try to structure or plan out your year in January? I'd love to hear about it!⁠⠀
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There's always a lot of talk about goal-setting in January and while I do believe in setting goals for the new year I also believe in setting goals at any time throughout the year!⁠⠀
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My #budgetingtip today is to take the time to set financial goals T O G E T H E R 👏🏼👏🏼👏🏼⁠⠀
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Whether you're married, in a serious relationship or have found an accountability partner to walk alongside of you throughout your budgeting or #debtfreejourney it's important you set goals together. ⁠⠀
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I believe this is one of the things that helped propel us through our own journey to pay off debt. Setting aggressive goals together and then working to achieve those goals...together...will help you work better together as a team and make the victories along the way that much sweeter!⁠⠀
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I suggest setting many different financial goals at different intervals: year, 3 years, 5 years, etc. (or whatever works for you). ⁠⠀
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Talk about your goals, dream about them, plan for them. Weigh each financial decision against those goals.⁠⠀
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Ask yourself questions..."Does this purchase/decision move me closer to my goal or further away?"⁠⠀
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Review and revise your goals often....together. This practice will help you become more in sync with your finances and overall money management!⁠⠀
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Do you and your partner currently set financial goals together? Do you feel it has made a positive impact on your finances?

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Do you feel like you’re a successful budgeter?! How often have you started and given up?

Budgeting can be so frustrating sometimes.

I remember feeling like I wanted to quit every month (or maybe more like every week). I remember thinking okay, we will just get through this debt and then can stop this budgeting thing and go back to living our lives again... But something funny happened along the way. We found that the act of budgeting started giving us our life back.

It helped us start controlling our money again instead of the other way around!

We have been budgeting for 3 years now and while we still make mistakes every single month, we DO consider ourselves successful budgeters.

It feels pretty good. It feels so much different then the hopeless, desperate feeling I used to get each time I would sit down to pay the bills.

Budgeting is SO MUCH MORE than numbers. It’s more than Income - expenses.

I’m sharing 5 principles to help YOU win at budgeting today in my YouTube video...I hope you’ll check it out (link is in my bio). I believe in you 💜

Do you consider yourself to be a “successful budgeter”??

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SAVING MONEY can be so hard sometimes. ⁠
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Hard to save yet so easy to spend! ⁠
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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? ⁠
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Yet even as adults, we are motivated by challenges or competitions, which is why savings challenges are an awesome way to motivate yourself to save money!⁠
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Click the link in my bio to read the full article and see all the savings challenges!⁠
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Have you ever tried a savings challenge before? Share in the comments!⁠
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I want to help you stop spending so much money on food!!! When we began our #debtfreejourney almost 3 years ago, we realized we were spending over $800 on food per month for a family of 4 😱

Now if you spend that much and your budget can support great, then that’s great!

But our budget definitely could not and we knew we needed to make a major change!

I went to work trying to find alllll the ways I could cut that number down to $400/month and I want to share them with you!

Check out the link in my bio to watch my new YouTube video giving you 21 tips to help too cut your grocery bull in half 🙌🏼 What do you spend for food each month?!

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Trust me, I've tried...⁠⠀
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Getting rich would be cool and all, but if you have poor spending habits you'll just spend more money. ⁠⠀
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Getting more money doesn't mean you'll manage it any better. In fact, I'd bet you'd probably manage it worse because you'd have a lot more to spend...⁠⠀
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We see it all the time with lottery winners. They are down to their last few bucks, they hit the Powerball and in a few years they're broke again.⁠⠀
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You can out-earn or out-win (not a thing) your bad habits. You CAN, however, learn how to budget, save and manage your money properly BEFORE you get rich. This way when the money comes you'll be able to may it stick around and even put it to work for you!⁠⠀
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Today is as good of a day as any to start changing your life!⁠⠀
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What is the biggest thing you need to work on with your finances? (Mine is still working to complete our emergency fund.)⁠⠀

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This cool dude is 11 today and I’m feeling all sorts mom guilt bc I came down with the stomach flu yesterday and it’s still lingering today 😩

We had to cancel his small family party tonight so we didn’t risk getting everyone else sick!

He is being understanding and we are still getting him takeout from @olivegarden because all he wanted for his birthday was breadsticks 🤣

So bittersweet seeing my last baby grow up but blessed to be his momma 😍

#birthdayboy

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* Word of the Year *

My word for 2020 is
G R O W T H

I’ve been choosing a word of the year for 3 or 4 years now (2019’s word was “action”). I think it’s difficult to sum up what you want out of an ENTIRE year in just ONE single word. And then focus on that word all. Year. Long.

But I find that it’s been a wonderful way to guide my actions and dictate how I spend my time throughout the year.

In fact, in years past I didn’t honor my word quite as much as I’d hoped so this year I’m writing this baby errrrywhere!

I want this word present in my decision-making process down to even the smallest choices.

GROWTH is my only goal for 2020.

Growth in every single area of my life.

My relationships
My marriage
My business
My role as a mother
My faith
My self-love
My confidence
My focus
My health (body + mind)
My finances

We have spent the last 3 years trying to perform damages control in our lives and 2020 is the year we really begin to grow and flourish and I AM HERE FOR IT!

Did you pick a word for 2020?! I know it’s kind of personal but if you’re willing to share, I’d love to hear it ❤️ #GROWTH #2020 #wordoftheyear

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