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Finance

We hear over and over again that we need to have an emergency fund, but what is that? And how on earth do you build up an emergency fund fast if you're starting from scratch? This is how.
Finance

How To Build Up An Emergency Fund FAST

What would you do if you received an unexpected bill in the mail for $1000? Or you find out that your Great Aunt Maude is really sick and you absolutely must fly across the country to be with your cousin Becky at this time? Or your car breaks down and it’s going to cost you hundreds of…

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While you may not want to spend your twenties saving for a downpayment on a house (and that's totally okay) there are some financial habits to start in your twenties you should consider, in order to set yourself up for financial success. and to really understand your personal finances.
Finance | Creating Habits

6 Healthy Financial Habits To Start In Your 20s

Feeling like your twenties is a time when you’re not quite in that ‘adult’ mode yet, and you laugh with your friends over how broke you are by the end of the weekend? This is not how your twenties are meant to be. In fact, there are some really healthy financial habits to start in your twenties…

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You may not realise it, but there are certain things you are doing that are keeping you in debt! If you're doing any of these things, stop them now!!
Finance

8 Things You’re Doing That Are Keeping You In Debt

Ever get that feeling that you’re just drowning in debt and you don’t know how to get out of it? Or feel like you just seem to keep paying off debt, and paying off debt and you’re just getting nowhere? You’re not alone! Chances are there’s a few behaviours and actions you’ve got going on…

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Saving money on your grocery bill doesn't have to be complicated and it doesn't mean you have to eat boring or bland food. You can still eat the meals you love, you just have to be prepared and shop in a smart way. Here are some simple ways you can cut your grocery budget without giving up eating good, healthy food that you love to eat.
Finance | Health

7 Simple Ways To Cut Your Grocery Budget (And Still Eat Good Food)

When I started looking for ways to cut our grocery budget when we committed to paying off all of our debt. I found tons of articles that told me to stockpile food, and to eat more pasta and rice. We don’t eat much pasta or rice at the best of times and we knew that…

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Are you sick of feeling like you can't get on top of your credit cards? You might be making these big credit card mistakes, so here's how you can fix them and get in control of your personal finances.
Finance

5 Big Credit Card Mistakes You Could Be Making

Oh, beautiful credit card… I have to admit, I have a bit of a love/hate relationship with my credit card. Yup, I have one. Despite so many finance guru’s saying you shouldn’t have one… I tend to go against the traditional methods (including the fact that I don’t pay for anything with cash..). But here’s…

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Feel like you don't even know where to start paying off your debt? We paid off $120k in debt in less than 3 years. Use these debt payment tips to see how.
Finance

How We Paid Off $120k In Debt In Less Than 3 Years

I was always of the belief (like many people) that debt is a part of life and it’s part of being an adult. When you want a new car, you get a loan and you pay off the debt. When you turn 18 you get a credit card (because then you’re really an adult) and…

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So you've decided you want to get out of debt, but you have no idea where to start or what you're supposed to do? Here are the things you must do if you want to get out of debt and achieve your financial goals.
Finance

7 Things You Must Do To Get Out Of Debt

When you make the decision to get out of debt, it can be a little overwhelming to know where to start. It’s not enough to simply say that you want to be debt free, you have to take action too, and to be honest, it might make you a little uncomfortable. But there are just…

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It can be hard to determine if you need an emergency fund before you pay off debt. Both ways have benefits, but this is which one you should choose and why.
Finance

Do You Need An Emergency Fund Before You Pay Off Debt?

Whenever I hear people talking about their emergency fund, it always ends up with the same question: do you need an emergency fund before you pay off debt? After all, we say time and time again how important it is for you to focus on paying down your debt, and reducing the cost of your…

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When you're trying to reach your personal finance goals, whether it's saving for a house deposit, or paying down your debt, or any other goal that requires your financial commitment, it's can feel like all the excitement is stripped away and you're left with a bare bones budget that doesn't accommodate any fun (this isn't the way you should budget, FYI). But here's the thing, at some point, you're going to have to buy things. You just are. So why not find ways to save money on anything you buy?
Finance

6 Ways To Save Money On Anything You Buy

When you’re trying to reach your personal finance goals, whether it’s saving for a house deposit, or paying down your debt, or any other goal that requires your financial commitment, it’s can feel like all the excitement is stripped away and you’re left with a bare-bones budget that doesn’t accommodate any fun (this isn’t the…

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When you're trying to save money, every little bit counts. Even if you're not in a situation where you have to be super frugal, being smart with your money is still a good idea and eliminating these things from your regular purchases can help you achieve your financial goals even sooner! Here are some things you should stop buying to save money (and have other benefits too!)
Finance

15 Things You Should Stop Buying To Save Money

The thought of not buying things in order to save money seems pretty obvious, right? But there are so many things we buy on the regular without thinking twice about it. And while these items might only be a small amount of your budget, over time they can really add up! When you’re trying to save…

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Welcome To Project Hot Mess

Hey! I'm Krystal, welcome to Project Hot Mess...

Here we spend time working on ourselves, our connections with others, our marriages, and attempt to keep it together as parents (please send coffee...).

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