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Cents + Purpose

Love Life on a Budget

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Begin to Save Mini Bundle
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Weekly Planner Printable
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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 $54,500 of debt in under 20 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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Debt Payoff Mini Bundle $5.99
Cash Envelope + Cash Breakdown Slip Bundle $4.99
Budget Binder Bundle $13.99
Monthly Budget Spreadsheet $8.97

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These graphics by @ohhappydani are super helpful w

These graphics by @ohhappydani are super helpful when you “don’t know what steps to take” to be an ally... I’ve found SO many amazing women who have shared such helpful (and heartbreaking) posts, videos, and pictures the past week and I’ve learned different and better ways to be an ally.
Here are a few pages to check out if you’re trying to get a better understanding or seeking a different perspective @ohhappydani @nicolewalters @seekwisdompcw
I posted these thoughts on my stories the other day but felt it was important and needed a permanent place on my feed, not one that disappears in 24 hrs so I’m reposting here:

We had a bunch of great family time yesterday...we also had a bunch of tough conversations yesterday. Conversations about human rights and white privilege...Conversations about how racism isn't "coming back". About how it's never left - it's just being shared more. More loudly. On a bigger stage and to a bigger audience.

These are hard conversations to have with my privileged white children who will never have to worry about going out for a jog or living under a constant veil of suspicion simply because of the color of their skin so my momma heart - my human heart - just cannot being to imagine how hard these conversations are for POC and the parents of children of color.

I don't have the right words but I do have this (albeit small) platform and it doesn't feel right saying nothing... I won't pretend to know how you feel because I never could. Just know that I feel sad and disgusted and am doing the best I know how to raise my kids differently so they will never grow up to look at others as though they are beneath them ❤️ #blacklivesmatter

Hi 👋🏻 I'm Kristin and I just realized I miss

Hi 👋🏻 I'm Kristin and I just realized I missed my May intro post!

If you're new around here...welcome!

I share a lot about budgeting, meal planning, saving money, paying off debt. I also share a lot about coffee, my pets, how much I hate cold weather and other randomness.

Check out the link in my bio for my recent videos, blog posts and free resources I've created for you!

I started my business Cents + Purpose (and this IG page) almost 3 years ago to share all of the practical personal finance tips I'd learned the past few years while we've worked to improve our finances, pay off $54,500 of debt and build an emergency fund.

I'm a recovering over-spender who loves to save (but would probably still prefer to spend most days) and have been on a mission to simplify our finances, our home and life, in general... I'm so glad you're here!

Do you consider yourself to be a spender or a saver??

IAre you tired of searching for ways to budget and

IAre you tired of searching for ways to budget and control your finances and just don’t know where to turn?⁠⠀
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I know how you feel because I used to feel the same exact way!⁠⠀
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But over the years I’ve found some amazing financial tools that will help you not only manage your money but hold you accountable for your spending as well.⁠⠀
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Maintaining a budget and staying organized with your finances is crucial. And whether you’re working to get out of debt or struggling to maintain a budget, there are always ways to improve!⁠⠀
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What I’ve found throughout my own financial journey is that developing an easy-to-maintain system to manage your money every day is the key to successfully improving your finances and achieving all your money goals!⁠⠀
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The system I’ve developed for our finances is a collection of five key financial tools I use on a daily basis that have helped me manage my money, stay on track, and be involved in every step of the way!⁠⠀
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If you’re struggling with managing your money or looking for a way to stay on top of your budget, these easy financial tools will help you get the job done!⁠⠀
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Head to the link in my bio to read the full article.⁠⠀
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What budgeting/financial tool do you use every day?⁠⠀

It made my whole day when I saw my first peony has

It made my whole day when I saw my first peony has finally bloomed! It feels as though it's taken 3,284 years for Spring to arrive in PA this year and peony season is my favorite time of the year!⁠⠀
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I am OB. SESSED. with fresh flowers and one of my dreams is to someday have a huge cutting garden (preferably in a different state where they can grow all year round) that will supply me with gorgeous fresh flowers every week!⁠⠀
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There is something about plants and flowers around the house that just makes me feel joyful!⁠⠀
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It's been such a great weekend, we got to see some friends for the first time in months, I was very productive with my work and we got to spend lots of family time outside in the gorgeous weather...⁠⠀
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And the best part? We barely spent any money! No Amazon orders, actually stuck to the food budget AND still have the majority of my personal money for the month #winning⁠⠀
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And through it all, remembering all of those who gave their lives so we could enjoy our freedom 🇺🇸⁠⠀
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How was your weekend!?

I've been sharing this week how my meal planning h

I've been sharing this week how my meal planning has been in the tank lately because of how crazy stores have been, how unpredictable availability has been and whenever I fall off the meal planning wagon I seem to spiral downward for a few weeks 🤣⁠⠀
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But we have just been spending too dang much on food lately and I'm over it!⁠⠀
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Last week I finally sat down and did a complete meal plan for two weeks and I immediately felt as though I was cooking less and stressing less! ⁠⠀
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I created this Meal planning starter kit because I just love pretty pages and I know many of you do as well so I just put this up on my site for FREE!⁠⠀
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If you feel as though alllll you do is try and figure out what the heck to make for dinner lately then you need this!⁠⠀
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It comes with a grocery list, a weekly meal planner with enough space to list out breakfast, lunch and dinner if you like to plan for all your meals and a recipe log where you can keep track of your family's favorite recipes. This makes it super easy when you're having trouble thinking of things to make...just go to your list and pick one out!⁠⠀
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Head to the link in my bio [or visit this link - https://bit.ly/3gcsxi8] to grab this Meal planning starter kit and get back on track starting this week!

Beyond the fact that my husband still has his job

Beyond the fact that my husband still has his job and all of my family is healthy, the thing I'm most grateful for throughout this whole craziness we are all experiencing is the ability to work completely from home on my business. ⁠⠀
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Working for myself and being my own boss has always been my dream. ⁠⠀
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Having to answer to no one but myself and having full control and responsibility of my business and my business finances is truly a dream come true. ⁠⠀
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I am so grateful to every single one of you who are here today reading this post, watches my videos, reads my blog posts, downloads my freebies, and shares my page with others.⁠⠀
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Cents + Purpose exists for two reasons: ⁠⠀
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1) To serve you ⁠⠀
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2) To support my family financially⁠⠀
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My mission is to empower you to take back control of your finances, win with money, and love life on a budget.⁠⠀
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This past weekend I redid my whole website (some of it is still under construction 🚧), I've been working on new product and updating old and creating new freebies all in an effort to better serve you and provide you with the tools you need to succeed financially!⁠⠀
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I want you to know that without you there is no C+P and I appreciate every single one of you who has ever supported my business in some way 💗

*GIVEAWAY CLOSED* 💕 GIVEAWAY 💕⁠⠀ @asunny

*GIVEAWAY CLOSED* 💕 GIVEAWAY 💕⁠⠀
@asunnysideuplife + I are sending some love to the #debtfreecommunity with this $100 CASH giveaway!⁠⠀
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We all have financial goals, and we want to help ONE lucky Insta friend get $100 closer to achieving it! ⁠⠀
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At the end of the giveaway, you'll be sent the cash through Venmo or PayPal.⁠⠀
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All you've got to do is:⁠⠀
1. Like this post. ❤⁠⠀
2. Follow @asunnysideuplife + @centsandpurpose ✔✔⁠⠀
3. Comment what you'd do with the cash. 👇⁠⠀
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Giveaway runs from 5/20 to 5/22 at 10 pm EST. ⁠⠀
Not hosted or sponsored by Instagram or anyone other than the listed hosts. Must be 18 years old to enter.⁠ MUST HAVE A VENMO OR PAYPAL ACCOUNT. @asunnysideuplife will pick a random winner and DM for payment information.⁠

Now that we have completed Baby Step 3 - at least

Now that we have completed Baby Step 3 - at least Phase 1...we are ready to start focusing on other financial goals.

While we still base our goals and steps on Dave Ramsey’s Baby Steps System, we do not adhere strictly to his teachings anymore.

Our thoughts and plans have changed a lot since the pandemic began - and I know the same has happened for so many of you as well.

Our next steps are still to increase retirement contributions, save for our children’s schooling (plus a bunch of additional savings goals as well) and work on paying down our mortgage early.

I have a new video up on my YouTube channel breaking down the details of all our next steps in regards to our finances!

Click the link in my bio to watch the video! (Or paste this link in your browser https://youtu.be/M1c-T-EDTFE )

Have you changed your money goals due to the recent events too?!

The majority of us have unintentionally found ours

The majority of us have unintentionally found ourselves with much more time on our hands as of late...⁠⠀
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Regardless of the surrounding circumstances, I believe this time is a blessing. ⁠⠀
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I understand many are suffering right now...and my heart truly goes out to you if this is you.⁠⠀
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I encourage you to find a way to appreciate and the time that has been given to you.⁠⠀
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Maybe you've longed to spend more time with your family...how can you best use this time?⁠⠀
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Maybe you've been exhausted and overworked...how can you best use this time?⁠⠀
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Maybe you've been desperately wanting to start your own business...how can you best use this time?⁠⠀
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My fear is that when life returns to normal so many of use will realize the precious gift of time we let slip through our hands because we were focused on the inconveniences, the boredom or the worry.⁠⠀
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I'm not saying you can't be worried if you lost your job or have other problems you are dealing with, of course...⁠⠀
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I'm just saying please use this time wisely - whatever that looks like for you. ⁠⠀
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Take some time and think about the times you've used the phrase "if only I had more time"...⁠⠀
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Personally, I have relished in every spare moment I've gotten to soak up with my family and the slower pace of life.⁠⠀
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I've loved the extra opportunities to be outside, work on my business, cook for my family (even though I feel like I'm cooking dinner 24/7 🤣) and just feel joyful.⁠⠀
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I've ignored the news, put my blinders on, and enjoyed my bubble for the time being...it may not make me the most informed citizen, but it's done wonders for my mood and anxiety levels. ⁠⠀
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So, I’d love to know...what have you done with the time that's been given to you?

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This website contains affiliate links, which means that if you click on a product link, we may receive a commission in return. Cents + Purpose is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com