Ever get to the end of the month with a few days left and wonder where all your money went?

A successful budget will let you know where your money is and what it's for. This Workbook walks you through the 7 essential steps to creating a successful budget no matter what budgeting method you use. 

50+ Personal Finance Terms You Need to Know

Nothing blows a budget like forgotten expenses. So use this list to build a smart budget that will help you to reach your money goals. This checklist includes over 200+ expenses to consider when calculating how much to budget for each category of your budget.

YNAB (FOR BUDGETING)There are tons of budgeting tools and apps, I turned to YNAB and finally got my budget under control. When, I became self-employed and had to figure out budgeting with an irregular income. I once again turned to YNAB and have finally gotten back on track, not to mention I LOVE all the new updates. If you want to check it out YNAB offers a free 34 day trial so you actually have time to figure out if you like it and if it will work well for you.

Debt sucks! But the only way out is to make a plan and act on it.

This workbook will walk you through the best debt payoff methods and help you to create your own debt attack plan.

Qoins - for paying down debt

One way I'm making extra debt payments is with Qoins. When you sign up for Qoins, you connect your bank account and then spend as you normally would. Qoins will round up your purchases to the nearest dollar and put that change towards an extra debt payment.

Basically, Qoins will help you pay down debt faster by applying an extra payment for you by using your spare change. There is a $1.99 charge each month. However, they take it out of the spare change they set aside for you so you never see a charge in your bank account. If there isn’t at least $10 in your Qoins account they will roll that amount into the next month free of charge.

Contena - for finding freelance writing jobs

I used Contena when I was working my 9-5 and getting started freelance writing. It made it easy to find freelance writing jobs to pitch. While it's not a cheap Contena it is definitely worth it if you don't have a ton of time to spend looking for freelance writing jobs to pitch. 

Contena pulls together pretty much all of the available freelance writing jobs out there into one place and will even notify you via email of ones in your niche. They also provide an estimate of how much you will make with each job.

Side Hustling Can Change Your Life

I know because it changed mine. Through Side Hustling I was able to pay off over $6,000 of credit card debt in just 5 months.

Don't keep waiting for money to fall in your lap or to win the lottery, go out there and get your side hustle on.

This guide includes over 10 pages of side hustle ideas and lets you know what you need to do before you get started hustling.

Sign up below to get access to your FREE Copy

Rover - make money hanging out with puppies

Rover is a website that connects pet sitters with pet owners. I did a video tutorial on how to use the site as pet sitter and the accompanying post goes over what makes Rover a great side hustle. Read and watch the post or get started petsitting.

In February 2018, I made over $500 with Rover walking dogs around lunch time. 

Lyft - for earning money driving

Driving with Lyft is a great way to earn some extra cash. I love how easy it is to just turn on an app when I feel like driving and make some money. I wrote an entire post about driving for Lyft. It includes what you can expect during the application process, what it's like to actually drive and the many perks of driving with Lyft.  Get started driving for Lyft.

Quickbooks Self-Employed - for figuring out taxes and invoicing

​I use the QuickBooks Self Employed (BTW you'll get 50% off with my link) app to calculate my quarterly taxes so I know how much to set aside.

Though keep in mind it only keeps up with federal taxes and you will need to set aside an additional amount for your state taxes.

Thrive Themes Membership - for creating beautiful sites that convert

I got the Thrive Themes Membership when I decided to redesign LDMW and it’s been fantastic. It replaces Leadpages which was costing me over $400 a year. It also produced a much cleaner design with so many great tools I’m still working to implement and get the most out of everything. Just to note, Thrive Themes only works on WordPress.org sites. But if you have a WordPress site I highly recommend using Thrive Theme, I love it and have become a bit obsessed with everything it can do.

Create and sell beautiful online courses

Your skills and experiences are unique and valuable. Easily build a beautiful course website, share your knowledge, and be rewarded for it.

FREE Guide!

Enjoy Entertainment for LESS Money

Just because you're trying to cut back on expenses, doesn't mean you have to cut back on entertainment. Here is a guide to saving money on all things entertainment.

FREE SAVE MONEY ON GROCERIES CHECKLIST

Looking for ways to save money on groceries but don't have time for that extreme couponing nonsense?

This checklist will walk you through easy ways to save money on groceries

Winc - for wine delivered to your door

I like ordering a box of different wines to try from Winc every few months. The bottles average $13 a piece and delivery is free when you get at least 4 bottles (more wine please). If you want to check out Winc, you can get a free bottle of wine using my link. I'm very pro free wine.

Barkbox will send  toys with treats every month, which since I’m working on training, the treats make the box extra helpful. It also means I don’t have to regularly go out and buy new toys because she’s consistently getting them through the mail. 

If you want to try a Barkbox subscription, you can get your first box for free using my referral link, when you do, my dog, Lucy, will get a free Barkbox too. 

The Skimm - for staying informed

I don't have cable and while there are tons of news stories floating around social media, there are also tons of fake news stories floating around social media. I've been a loyal Skimmer for over three years. The Skimm is a news source that shows up in your email first thing in the morning M-F. 

It gives you a 5-minute rundown of what's happening in the world and links to legitimate news sources if you want to learn more about a topic. They also include book recommendations and other fun tidbits. I start every day with my coffee and The Skimm. I <3 it so much.

Checkout51 - for saving on groceries

You download the Checkout51 app and sign up for free. Each week on Thursday, "new deals" come out. Go through and star the items that are on your list. Do your shopping and at the end use your phone to snap a picture of receipt through the app and hit submit. Once you earn $20 in rewards you can cash out and Checkout51 will send you a check.

Rover - for finding pet sitters

If you are on Rover walking dogs you can use what you earned as credit to pay to have someone watch your pet when you need to go out of town. Even if you're not side hustling with Rover, booking sitters through them is a great idea. Whether you are dropping off your dog at the sitter or just having some one come and drop in at your home, Rover makes it easy.

With Rover cards, you know just what time your sitter got there and when they left, they also require sitter's to send pictures and mark just how many time your pet went to the bathroom.

Savings can mean the difference between going further into debt and turning your finances around. 

I know when you're in debt it feels like saving money is impossible, I promise you it's not. This Build Savings Action Plan will walk you through how you can build up your savings, even if you're broke.

Lessen the Stress of an Emergency

This guided action plan will help you figure out how to financially pay for an emergency. Because emergencies happen and the last thing you want to worry about is how to pay for it.

Qapital -for setting and reaching money goals

If you don't want to open up a new bank account, then Qapital can help you reach savings goals. Once you have the Qapital App installed and a bank account (or in my case three) connected you set up a goal or goals. I currently have two, one to save for taxes #selfemployed and one to save for spending money when I travel hack my way to Paris. Then you set savings rules for each of your goals.

For example, I have a round up to the nearest $2 rule, a guilty spending rule -when I buy Dominos, and a savings rule for every time I hit my step goal with FitBit. There are tons of different savings rules you can set up and the best part is Qapital is free to use. Bonus, when you use my link you'll get $5 after your first savings.

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