Interview With My Sister, FITnancials, Plus $250 Giveaway

Interview With My Sister, FITnancialsHello everyone! I hope all of you had a great weekend. I wanted to start off this week with an interview with my sister Alexis. I talk about her blog every month in my monthly income updates, but I’ve never actually dedicated a full article on her website.

Her blog is FITnancials and I helped her start her blog last year. She blogs about healthy living and personal finance.

If you are interested in starting your own, check out my article that will show you the steps to create a blog.


Tell us about yourself.

First off, my name is Alexis and I am in my early twenties.

I used to be around 180 pounds and I was extremely unhealthy. Smoking a pack of cigarettes a day and drinking tons of soda was what my average day of consisted of. You might laugh because I was young, but it still happened.

I never exercised nor believed girls should do anything besides cardio.

One day I had a breakthrough and I realized I needed to get healthier, but the journey there wasn’t easy at all.

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March Goals – I’m Having Nightmares About Squirrels

tumblr_lv98xhjZEx1r6aoq4o1_500Hello everyone! Happy March. I hope all of you had a great weekend.

February was a great month, BUT…

We still have the squirrels. The gif to the left is how I feel whenever I’m laying in bed and I can hear them.

They are still living in our attic and they haven’t been interested in the pest company’s traps at all. Last week, we even saw a squirrel go all the way into the trap VERY SLOWLY and then he/she inched slowly back out.

It’s been over two weeks since they decided that they want to freeload off of us, and I’m really starting to get afraid that they will have babies in our attic since it’s almost that time for them.

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Reason to Have an Emergency Fund: Medical Emergencies

Reason to Have an Emergency Fund- Medical EmergenciesEnjoy this post from my blog friend Natalie. Emergency funds are extremely important, especially in the case of a medical emergency where you have to pay a large amount out of pocket. 

A few weeks ago, I had one of the scariest things happen to me.

My long-time partner and boyfriend began to start getting really sick. This wasn’t just a case of a fever and the sniffles.

The symptoms were a little bit more serious than that. He began to get severe stomach pains along with a completely loss of interest of eating or drinking.

I will spare you the more gruesome details but it got really bad. It finally ended with his fever spiking to almost 103 degrees and me rushing him to the emergency room of the hospital.

My boyfriend is one of these people who you would never consider being sick. He is one of these people who barely gets a cold. In his work, he works with carpentry materials to help repair homes in the area. This line of work also requires him to lift heavy materials and do lots of physical work. His physical health was so good that it knocked us all by surprise.

Suddenly he was extremely lethargic and could not even get out of bed. The once fun-loving person that I knew was being taken over by some invisible and frightening ailment.

The night I finally took him to the emergency room, my boyfriend was in a state of panic.


He was worried about the financial aspect of him having a medical issue.

His fever was out of control and he could barely stand up. He was also in a state of panic because of the costs that would be incurred from all the emergency room bills. I told him to basically shut his mouth up over those types of thoughts as his first priority should be his health.

I didn’t fault him for having thoughts like these.

We just happen to be a couple that care a lot about money and we both work hard to be financially stable. When something like this happens, many would feel unsure about how they will pay such medical costs. This is certainly true in the United States.

My boyfriend was lucky enough to be immediately seen by the medical staff. They ran a series of tests and discovered that his colon was very inflamed. Under the doctor’s orders, his health had been deteriorating to the point where it was decided that being hospitalized was the only option.

My boyfriend’s reaction went into further panic as he realized what this meant especially for the finances.

I tried to convince him of otherwise as I knew stressing out could only make his condition worse. He was placed in a hospital room where he could be monitored by the professional staff.

For the next couple of days, my boyfriend was given several procedures and medications that at first did nothing. I went to the hospital every day and tried to console my boyfriend through this difficult time.

He once again expressed his fears of the cost of being in the hospital. I let him know that there is not enough money out there to replace someone’s health.  I also reminded him that we had an emergency fund that was precisely for occasion like this as this was a bona fide emergency.


There is no bigger reason to have an emergency fund than in situations like this.

You just never know when the proverbial crap will hit the fan and require you to have liquid assets available.

We had absolutely zero notice that something like this would happen. Medical situations are one of those things that usually pop out of nowhere and can be very destructive if you are living on the financial edge.

The truth is there are too many people out there that are living paycheck to paycheck. Too many people do not think of having a form of savings as a priority and nothing could be further from the truth.

I once had a friend that had some major complications due to her high-risk pregnancy. She never took the time to save as she felt it more important to buy nicer handbags and other pricey things.

As a result of no savings or health insurance, she winded up with over $15,000 in medical bills.

The resulting stress on her psyche and family caused her even more health problems and later more health bills. She applied for government assistance and was given some help after a big battle with paperwork and authorizations. She could have avoided a lot of stress if she had saved something in advance.

As I write this, my boyfriend is still recovering from the hospital and will hopefully be home soon. He finally accepts the fact that it will not destroy us financially since we have a savings fund and health insurance that has a set limit on what we are liable to pay.

Being able to concentrate on what is important is such a relief in times like these. It has literally helped me sleep at night. I can’t imagine what we would be doing without it.

Having an emergency savings account (Do you know how much you should have? – I have a related post on this on Diversified Finances) is of utmost importance especially in a world that guarantees nothing.

Taking the initiative to do something for your financial future is crucial. Learn from my own story because you just never know when you will need money now. My boyfriend and I are able to focus on plans to get him back to normal health and that is what is important. Please take the time to prepare for life’s unexpected pitfalls so that you don’t end up in the financial hole.

This is a post by Natalie over at Everything Finance.  Everything Finance is a site about just that, everything related to finance.  You can get information about investing, saving money, insurance, shopping, blogging, CD rates, and making money online.


Do you have an emergency fund? What does it cover?


Fun, Frugal, and Free Activities

Fun Frugal and Free Activities

I’ve never been a super outdoorsy person, until recently. Having fun does not automatically have to mean spending a lot of money and in fact there are many free activities out there. And sadly enough, this is something that I have just recently come to terms with.

My life has changed so much in the past year, and with it comes the activities that I used to enjoy, versus the activities that I enjoy now. Before, I feel like all I did was shop. Ah, I have no idea how I found that fun to do every single day.

Having fun by doing things frugally does not mean that you have to hate your life. Lets please not confuse frugal with cheap. I will not just stay inside and look at a blank wall 24 hours a day just to save money. There are so many things that you can do out there that don’t require much money.

Today’s post will be all about the many frugal and low-cost activities that you can do, including some free summer activities for your family, children, and friends as well. Below are several fun, frugal, and free activities for you to try out. I also have a post dedicated to the many fun and frugal things to do in St. Louis for you to check out if interested.

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Cheap Ways to Stay Healthy

Cheap Ways to Stay HealthyI think we can all agree that being financially responsible is important, but is it the only thing we should be concerned about?

Myself, I don’t think so. I’m big on being keeping my financial house in order, but I think that’s second only to staying healthy. Without my health, no amount of money in the world will make me feel good. There are plenty of cheap ways to stay healthy.

That said, I don’t think that the two are mutually exclusive. Some people complain that they can’t get enough exercise without going to the gym, or that vegetables and healthy eating is too expensive, so it’s hard to be healthy on a budget.

To that I say, bull.

I’ve been living on only 45% of my income for the past year, and I can say that with the exception of extreme case (there are always exceptions) it’s entirely possible to be both healthy and frugal. Here are a few ways I manage to stay healthy on a budget.

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Save Money – Get Outside and Be Active!

Save Money - Get Outside and Be Active!As I’m typing this, I’ve just returned from a lovely half hour walk/run with my dog Molly. It’s currently 17C (62F) outside and sunny – which, in Canada, means Spring is here!

Now that Spring has arrived, all I want to do is spend time outside, working on the yard, walking, and soaking up some vitamin D.

This is great news for my wallet, since most of the things I’m planning on doing are free – and a healthy form of exercise. Here are some great ways to spend time outside this Spring.



Do Yard Work

This might not be the MOST fun activity, but it’s definitely free, and it’s definitely a workout. A moderate sized yard requires at least a few hours of preparation in the Spring time, so why not do it yourself? You’ll save money, get some fresh air, and burn a few calories, what’s not to like about that scenario?

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