Ths post may contain affiliate links In a world full of selfies, vlogs, and cameras recording your every move the need to look somewhat presentable 90% of the time can be overwhelming not only mentally, but also monetarily. I remember being at a conference and joking with some of the other attendees how you didn’t want to be photographed in an outfit that you already wore somewhere else. The time of this conference was pre-Instagram and when Facebook was still really only geared towards students. I may have just dated myself there, but the point is even then we were feeling the stress of trying to stay fashionably fresh. With new collections released on an almost daily basis and affordable websites that offer fashion and beauty at your fingertips, the line can easily become blurred on what is considered a need vs. a want. “Shop my Post!” is such a simple statement. Fashion bloggers use it all the time. I even use it when I’m sharing an outfit or makeup related content over on my lifestyle page Being Melody. We simply want you to be able to easily access the very thing for which you just liked our Instagram photo. So, you innocently click the link and start down the rabbit hole that is adding stuff to your cart. You’re bookmarking sites, looking for coupon codes, and patiently waiting for an item to go on sale so that you can add it to your closet.  Next thing you know the item…

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You know what I struggled with last month? Doubt. I mean a whole heap of it. I just couldn’t get out of my head that I wasn’t doing enough for our household. I knew exactly where this struggle came from too. For the past 32 months I’ve been able to pay extra on our debts, but this for the second month in a row I made just the minimum payments on our three student loans and boy did that bother me! Could I have paid more on the debt, sure, but Marcus and I have changed a few things in terms of how we’re handling our finances in 2018. We’ve put the debt payoff on a small pause to beef up our emergency fund to $10K and just the thought not making extra payments makes me itch. We have plans to restart these extra payments to our debt in April, but being the Leo that I am I need things to work on my schedule. So basically that means yesterday. This is also our first month living on one salary, Marcus’s, and using whatever I could bring in from my side gigs to supplement. I knew after doing the budget we’d be fine. The numbers added up, we had sinking funds and an emergency fund, yet I still couldn’t help but feel a slight twinge of panic everytime I thought about how I wasn’t going to contributing to the income like I used to. Because I wasn’t content with my…

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This month I ventured into something new. I started couponing. I know, I’m late to the game, but due to time restrictions, I found myself being a convenience shopper. I liked to be able to do my shopping at two places, BJ’s and our local grocery store. If I was feeling really busy I’d just order from Amazon Fresh. My oldest sister is a die-hard couponer and has been trying to get me to start couponing for months, she has a whole closet full of stuff she’s gotten from couponing and every time I look at it I would be awe, but I felt the whole thing to be too time-consuming and too intimidating. Now that our situation has changed a bit I decided that I would hear her out as she explained to me her whole couponing strategy over the holiday break when she saw I had $6 in ExtraBucks to use at CVS (sad to say I let that one expire on accident). Still unsure, I decided I would at least give it a try for the month of January. I figured if I could shave $50-$100 off our grocery/household stuff bill for the month than it would be worth it. As I know, there are some amazing deals to be had with couponing I only wanted to focus on our household needs and not get carried away.  Now that the month almost halfway over I think it’s safe for me to share my thoughts and feelings on this…

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When I first took the plunge into trying to get my life right and finances together, I did it drastically. Being this drastic is not something I recommend to anyone, but I had to do it to prove to myself that I could do it. Here’s a quick backstory, I’ve tried to get out of debt  NUMEROUS times before, only to fall off the wagon and just give up. Spending the money and having stuff just felt too good.  Fast forward to March 2015, we were one emergency away from the possibility of having to file bankruptcy, and I knew I had to get my life together. So I stopped everything. I stopped eating out. I stopped shopping. I stopped going out with friends. The first two were easy for me, but the last thing, going out with friends, came with some not so nice consequences. Once I stopped spending money with people who I thought were my friends I lost them. My friends knew exactly what I was doing. They knew that I was living at the time what I playfully called “Broke on Purpose”. Since I could never afford/ wanted to spend the money to go, they stopped inviting me out. I’ll be honest that hurt! It also helped me recognize that our friendship was forged solely on spending money. Even when I tried to stay in contact with those people, via phone conversations, I realized that they weren’t interested in what was going on in my life…

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 From the Desk of Mrs. Broke on Purpose® Today is the last day of 2017. Looking back this year has been for the most part a great one. I wrote and successfully defended my Ph.D. dissertation; graduated from my Ph.D. program, and was featured in Glamour Magazine as one of the New Money Experts alongside amazing women like The Budgetnista and The Fiscal Femme. I  also started a new job which I thought was going to be my dream career but turned out not to be the best fit for me, and now I’m going into 2018 unemployed trying to figure out “what’s next.” Choosing to be what Mr. Broke on Purpose considers to be “self-employed” was a hard decision for me to make. I struggled with how I would share this news as it’s not something I leaped into happily. This will be the first time since I started working at the age of 14, that I am not employed by someone else. Most of my friends will tell you that I am a workaholic. It was not unheard of for me to have more than one job. This transition has been one where I’ve had to take a step back and mentally wrap my head around everything that was occurring as it was happening so fast. Even though I was the one who ultimately decided to walk away from my job, I felt like a failure. I felt like by choosing to leave that I was letting everyone, including my readers,…

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