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Begin to Save Mini Bundle
$6.99
Budget Binder Bundle
$11.99
Debt Payoff Mini Bundle
$4.99
Monthly Budget Spreadsheet
$8.47
Printable Cash Envelopes
$4.99
Weekly Planner Printable
$2.99

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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…

From the Shop

Budget Binder Bundle $11.99
Monthly Budget Spreadsheet $8.47
Debt Payoff Mini Bundle $4.99
Printable Cash Envelopes $4.99

LEARN TO BUDGET

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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?!

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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!

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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!

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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...⁠⠀

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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

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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 😆🥧🍗

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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?⁠⠀

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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??

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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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