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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
$8.97
Printable Cash Envelopes
$4.99
Weekly Meal Planner Printable
$2.99
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

Monthly Budget Spreadsheet $8.97
Budget Binder Bundle $11.99
Printable Cash Envelopes $4.99
Debt Payoff Mini Bundle $4.99

LEARN TO BUDGET

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FOLLOW ON INSTAGRAM

Here’s how we dyed Easter eggs this year 💁🏼‍♀️ Eggs are hard to find right now (and pricey!) so instead we decorated egg shaped sugar cookies!

My kids love decorating cookies so they didn’t mind the switch... I also made some “cookie kits” and dropped them off on the porches of both my sisters this evening.
It felt so good to go for a drive on my own with the sun shining and the windows open ☀️

We are all facing enough stress and worry right no

We are all facing enough stress and worry right now.⁠⠀
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The amount of people who suddenly found themselves out of work recently is almost unfathomable. ⁠⠀
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Each day the world around us is changing drastically.⁠⠀
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When it comes to budgeting and money give yourself grace. ⁠⠀
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It's okay if you mess up. ⁠⠀
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It's okay if you completely busted your grocery budget this month.⁠⠀
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It's okay if you bought things you didn't budget for.⁠⠀
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It's okay if you spent all your personal money on unnecessary things 2.5 seconds after you got it....oh, just me? 🙈⁠⠀
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It's okay if you're dying to stroll the aisles at Target and are planning to hug every red-shirted and khaki-pantsed (I don't think that's a word) worker when this is all over. ⁠⠀
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But if you are trying your best to keep your finances together right now then you are doing your best. ⁠⠀
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You are not alone if you are struggling to keep yourself from online shopping 🙋🏼‍♀️⁠⠀
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You are not alone if you paused your debt snowball. ⁠⠀
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You are not alone if you had to cut "fun" categories out of your budget. ⁠⠀
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Blaming yourself because you didn't save 3-6 months of emergency funds two years ago in preparation for a pandemic no one knew was coming will not accomplish anything except make you feel worse. ⁠⠀
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Keep doing the best you can, that's all any of us can do 💕

On repeat. Super scary times but my faith hasn’

On repeat.

Super scary times but my faith hasn’t wavered and I hope yours doesn’t either... Meditation, writing in my gratitude journal, watching church online, listening to my fav Christian songs and praying are all ways that I’ve been keeping my faith strong.

It’s ok to be scared. I think if you’re not at least a little scared then you may not quite understand the gravity of what’s going on around us right now.

Our faith has been tested lately and will likely be even more in the upcoming weeks.

Do whatever you need to do to take care of your health: physically AND mentally.

Flex those spiritual muscles and tell the devil to stay 6 feet away from you at all times ❤️ Faith > fear

Since we are all stuck at home {mostly} I wanted t

Since we are all stuck at home {mostly} I wanted to put together a big list of activities you can do to pass the time.
Most of these are geared a bit more towards adults or older children plus, they’re all cheap or free!
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Keeping yourself busy is a great way to keep your mind off of things that may be causing you stress or worry...⁠⠀
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Head to the link in my bio to read the full article 💜⁠⠀
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**CLOSED** ✳️GIVEAWAY ✳️⁠⠀ ⁠⠀ I've

**CLOSED** ✳️GIVEAWAY ✳️⁠⠀
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I've been feeling pretty helpless to help people who are currently where my husband and I were just a few short years ago, financially speaking.⁠⠀
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I’ve been brainstorming and one of the things that helped us SO MUCH was learning how to budget and sticking to a budgeting system to manage our finances each month. ⁠⠀
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One of the ways we've been able to do this was to create and use a budget binder. I know so many of you are dealing with loss of income (or a job altogether) and I thought this might be a good time for you to re-do your budget and try to get started with a good system (if you don't already have one).⁠⠀
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I want to give away my printable Begin to Budget Bundle for free to 1️⃣0️⃣people! ⁠(Or choose my Begin to Budget Spreadsheet instead if you'd prefer)⁠⠀
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This is a digital product so no physical product will be sent to you.⁠⠀
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To enter, simply follow me @centsandpurpose, like this post and tag a friend you think could benefit as well...that's it! ⁠⠀
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You can enter until Saturday night at midnight and I will announce the winners on Sunday 💕⁠⠀
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*This contest is in no way sponsored, administered, or endorsed by Instagram or any of the companies in this photo. By entering, you are confirming that you are 18+ years of age, that you release Instagram of any/all responsibility and that you agree to Instagram's term of use. NO purchase necessary, void where prohibited by law.⁠⠀
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If you caught my random IG live today (if not you

If you caught my random IG live today (if not you can still watch it until tomorrow) I did discuss a few things you can do right now if you're struggling with your finances during this uncertain time...⁠⠀
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1. If you're working a debt snowball now is the time to stop paying extra to debt. BUT be sure to still make your minimum payments so you don't incur any late fees or penalties.⁠⠀
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2. Create a whole new "bare bones" budget. Prioritize the essentials: food, shelter, utilities and transportation and cut any unnecessary expenses to free up more money.⁠⠀
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3. Send all extra money to savings to cover any emergencies that may come up in the near future - this will ensure you don't incur any extra debt. ⁠⠀
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4. Communicate with creditors. Contact ANYONE you are having trouble (or anticipate having trouble paying in the near future). Communication is key and people/companies are usually willing to work with you when possible especially if you reach out before you're in arrears.⁠⠀
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5. Pray. Do everything you can and then leave the rest to God. I don't mean to sound trivial but some things are just out of our control. Control what you can and defer the rest to Him 🙏

I know, I know. Everyone is bored but if you’re

I know, I know. Everyone is bored but if you’re bored that means you are doing your part to flatten the curve!

But just because we are all stuck at home doesn’t mean we have to be bored to tears!

I have become quite the introvert these last few years so I’m not minding the isolation but I know this is tough for my extreme extrovert friends so I’ve put together a monster video sharing 59 (although I forgot one when filing so make that 58 😳) CHEAP or FREE things to do when you’re bored at home while social distancing (or any time)! The video is on my YouTube channel and linked in my bio, I hope you find some ideas to help you pass the time!

Thinking of you all ❤️

If you missed my stories the other day I wanted to

If you missed my stories the other day I wanted to post that we canceled our vacation. I only wanted to make a point to mention it because I had done some stories and other content sharing our exact vacation budget and promised to come back after vacation and share our exact numbers and if we came in under/over budget...⁠⠀
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We didn't exactly cancel it - my parents did. They were the ones who paid for the gorgeous house we were staying in for the week. We didn't lose money on our accommodations but they did (and it totally stinks). ⁠⠀
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We were planning to drive to Florida from PA so we didn't lose money there either. We are bummed and although it was a really difficult decision for my parents, it was definitely the right one. ⁠⠀
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We all just feel better being home and close to all our family and friends (geographically speaking - not in person).⁠⠀
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In light of all the current uncertainty, I'm not going to lie...I also feel better with the money we would have spent sitting in our savings account instead.⁠⠀
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I know a lot of you are in a similar situation and may be struggling with the same decision and I know it's not my place to tell you what too but I want you to all be safe and healthy. ⁠⠀
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I know we will have many more vacations in the future and I hope you will as well ❤️

Just checking in...such weird vibes everywhere 😑

Just hanging in, remaining in an attitude of gratitude and staying hopeful.

Social media can be such an ugly space but I’ve seen so much beauty, love and solidarity in my feed lately 💕

I’ve been working, unpacking and whooping some bowser butt in old school Mario 3 🍄

Stay healthy, my friends. Praying for you all.
What are you doing to keep busy?! Let’s share our ideas!

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