Novica Giveaway

Novica Giveaway

Hey everyone! Happy Saturday. I just ordered the awesome serving plate to the left thanks to Novica. I love the colors and the detail in it, and I know it will look great on my dining room table.

I received an email from them recently asking if I wanted to give away $40 to their awesome website, so why not? I’ve ordered 3 other items from them as well, and have never been upset.

For today’s giveaway, all I ask is that you head on over to my Facebook page and comment on the post that is related to this giveaway. Easy as that! I will then use to choose the winner from the Facebook comments on Wednesday, May 8th.

Also, if you haven’t yet, be sure to check out my $7,859 in April Extra Income and Goals post.

Saturday and a $1,149 DSLR Camera Giveaway

Happy Saturday everyone! This past week definitely flew by. I guess that’s what happens when you are extremely busy. I don’t really have anything planned for the weekend (at least nothing that I can think of) except for lots of blog and planning for me and my friend’s new business.

If you have any tips on starting a new business, and also starting a new business with a partner, then throw them at me. I have a couple of blog posts in the works about that, but of course it always takes me forever to actually get around to that.

Also on Monday I will have my February extra income and goals update, so be sure to check that out. Every month, my monthly extra income update always seems to be very popular. Is there anything specific that you would like to see in my monthly extra income posts? I want to be as helpful as I can!

Posts on my blog this week:

  1. $1,121 in Extra Income and Life Updates – I did better with my income last week. So many things are going on in my life right now. It needs to calm down :)
  2. #Tag: Getting to Know the “Person” Behind the Personal Finance Blog – Do you want to know more about me? Maybe not but oh well. REad this post to learn further about why I blog and why I blog about personal finance.
  3. Getting Out of Debt… With a Plan – I had a guest post on my blog for the third week of my Debt Series. Do you have a plan for your debt?
  4. Is Clutter Ruining Your Productivity? – This is a post by Jordann all about clutter and productivity.


 Posts I loved this week:

  1. The Death of the 9-5 Work Week Young Adult Money
  2. Do you ever feel guilty for everything that you have and make? Mochi and Macarons
  3. “Oh you are SO lucky, you must be rich!” Budgets are Sexy
  4. What Bootstraps? Girl With the Red Balloon



EOS Rebel T4i 18-135mm IS STM Lens Kit

This giveaway is brought to you by Structured Settlement Quotes, where you can sell settlements. The contest is for the exact camera above and anyone in the world can win :) You all know that I love bringing giveaways to you guys!

a Rafflecopter giveaway

Saturday… and a $400 Giveaway

Happy Saturday everyone! If you were lucky/unlucky enough to be hit by the snowstorm, then this could possibly be the third day of your long, unexpected weekend. I had Thursday off, but the roads were fine where I live so I went to work on Friday.

I have a full weekend. Yesterday, our close friends got married and had a lunch reception (which we missed because the wedding was planned last second). After both W and I got out of work we went out to celebrate. The celebrations continue tonight as well. I’m SUPER excited to go out with a big group because feels like it’s been forever (it actually hasn’t but oh well). We plan on giving them their gift today and I need to put that together still. Thanks everyone for your suggestions on Twitter yesterday :)

However, before that, me and my friend are having a little business meeting to talk about the business that we plan on opening soon. I can’t wait until I can officially tell everyone what this new business is. Some of you already know since you guessed correctly last week :) Hopefully it goes well!

Posts from my blog:

  1. $823 in Extra Income and Life Updates – Extra income was slightly down last week, but I’m still happy with it.
  2. Blogger or WordPress – Tips on How to Move – Are you still on Blogger? You should think about switching! Blogger can delete your blog whenever they want to. In this post there are tips about how to move and why you should move.
  3. How We Handled $32,000 in Student Loans – I had a guest post to kick off the second week of my debt payoff series. Read about what her and her family did to eliminate student loans.
  4. Buying a Home as a Minimalist – Jordann talks all about her and homes!


Posts from my sister’s blog:

  1. 10 Tips For When Eating Out – My sister is super healthy and does certain things when she goes out to eat in order to stay healthy.
  2. Typical Day Of Meals – My sister is on a new food plan! I definitely couldn’t do what she does, but it’s nice to think about 😛
  3. Prep Your Meals For The Week – Save Money! – Over the weekend my sister spent a couple of hours prepping her meals for the whole week. It’s a great idea to save money and also to save time during the week!


I am loving these posts this week as they relate to my life in some form:

  1. How to pay off your mortgage in 3 not so easy steps Money Master Mom
  2. Feeling Forced to Tip Even for Horrible Service? Girl Meets Debt
  3. How Much is Too Much? Live Real, Now
  4. **Rant Alert** – An Online Business is NOT a Passive Income Source Debt Roundup
  5. Traveling is more fun when you are young Retire By 40
  6. How much do your friends or family know about your money? Mochi & Macarons
  7. Taking the Plunge: Why I Love Being Self-Employed Frugal Rules



I also have a giveaway for today that I am co-hosting. It’s Messy Dirty Hair’s blog birthday and she’s celebrating by having a giveaway. There are TWO $200 Visa gift cards up for grabs! There are two Rafflecopter forms below, make sure to enter both below!

Saving Money on Food and a GIVEAWAY


I love sushi, but it’s just too expensive!

It’s no secret that I’m really trying to save as much money as I can so that I can pay off my student loans as quickly as possible.

The thought of still having them in the summer time would make me sad (and a little mad), so I’m trying as hard as I can to keep with the goal of having them gone by March or April of this year.

On a side note, Sharon over at Midlife Mom Musings switched from Blogger to WP and wants you all to follow her on over there. I know what it was like when I switched from Blogger to WP, and I hated losing so many readers because they couldn’t find my link. I thought I’d make it a little easier for her :) And if you haven’t yet, please read my post about how to start a blog!

Anyways, my $38,000 Student Loan Payoff Plan is going well and I’ve already knocked out a big chunk. The other day I also completely knocked out a private student loan that I’ve had since 2007 that was almost up to $6,000!

I’ve been ramping up the ways that I make extra income and this has helped me a lot with paying down my student loan debt. I’m all about increasing my income!

However, even with all of our increases in extra income, we have been spending way too much on food. I know that if we didn’t eat out so much, then we would be saving even more.

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Spending Less Money on Clothes and a GIVEAWAY

My closet last year.

Hey everyone! Today’s post is all about spending less money on clothes.

And there’s a giveaway too. I’m glad to be a part of another giveaway. I really am enjoying taking part in these, and I hope you guys still love winning stuff! If you’re anything like me, then you probably enter tons of giveaways every week.

I made a post early last year titled A peak into my insanity (AKA my closet). At that time, I talked about how I had TONS of clothes. My closet is actually the old laundry room (we have the washer, dryer, etc. in the basement), so this is a decent sized closet that I have. And it’s COMPLETELY packed. You can hardly walk into it now.

I don’t wear a ton of it because a lot of my daily outfits are business clothes for my job. I had over 50 dresses, over 20 skirts, over 70 shirts, and so on. And this is with me selling my clothes every month. If I never sold clothes or got rid of them every month, I can’t even imagine what my closet would look like.

While I would love to save that my shopping problem is under control, it most likely is not. Yes, I’m not spending as much money as I used to, but I really need to start selling things in my closet in order to make things more efficient. Spending an hour each time I’m looking for a specific clothing item is just a little excessive.

Jordann, on my blog, recently talked about Maintaining a Minimalist Wardrobe. This is something that I definitely want to work on.

My plan

Now, I don’t plan on just not buying anything ever again. I do love clothes and dressing nice. Instead, my plan will be to focus more on quality and not just quantity. Yes, I will buy the occasional “trendy” dress from Forever 21 or Express, but for the most part I want to be saving my money and spending it on better quality items that will last longer. I will also be following a lot of the tips that are listed on J’s site How to Save Money on Clothes. I love her website and how she’s able to come up with so many different ideas.

I also plan on not buying items until I clear out items out of my closet. For every 1 item that I buy, I want to put TWO items from my closet into a bag that will be either sent to be donated or sold.

How much do I want to spend?

I do want to start spending less on clothes as well of course. I want to spend the least amount of money out of my own pocket on clothes that I can. My goal is to spend less than $100 out of my own pocket on clothes per month. So this does not include whatever I spend on gift cards or the money I get from selling clothes.

This is not exactly a “no spend” year, but it is a start. I know many people who spend much more than this amount every week on clothes.

This doesn’t seem like too hard of a task for me to complete, but it’s also about me cleaning out my closet. I have a couple hundred in clothing gift cards already, and will make a couple hundred more from credit card rewards. Also, I already have a ton of clothes in my closet that will work for the next year and still look great, so it’s not like I’ll be going naked everywhere.

I have a decent amount of clothing gift cards that I have received lately. Some I received for Christmas from my sister, and some I have won from giveaways. I plan on trying to use gift cards to fund my clothing spending. This won’t be super difficult, as I also plan on using the gift cards and cash that I earn from my credit card rewards towards this as well.

I also plan on selling a lot of my clothes that are currently in my closet and using this money towards buying new clothes as well. Wish me luck! At the end of 2013 I will make an update post on how much I spent on clothes throughout the year, and how much I spent out of my own pocket on clothes.

Are you trying to spend less on clothes?

What do you do to save money on clothes?

Last question, how much do you spend on clothes in a month and in a year?



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