Over the last 5 years, I have been working hard to become debt-free. But it just didn't seem hard enough. So I resolved this summer to kick it into high-gear and do away with my debt before the clock strikes 12 on New Year's Day. It's been hard, but in less than 10 weeks, all my debts will be forgiven and PAID IN FULL!!!
Here are a few tips that saw me through the highs and lows of debt repayment.
1. Double Up on the Snowball: The snowball method is a popular approach to paying off debt quickly. Structuring a monthly payment plan for your debt, while paying a little more to one particular debt until it paid off is a great idea. However, try making a commitment to double the amount of extra monies you are putting towards that highlighted bill. For instance, if you are putting an additional $20 on a bill after paying the minimum, increase that to $40. This can significantly decrease your debt by weeks, if not months.
2. Freeze Spending: Make a list of everything that you spend money on every month. This list should include expenses and miscellaneous items. Review the list with a red pen and start crossing out the things that are not a necessity with the exception of one-or two non-negotibles. When all was said and done, I was spending over $200 a month in extras that I have learned to live without. And while I thought I couldn't live without Starbucks, I have learned to enjoy making my own coffee and making Starbucks a treat saved for paydays.
3. Get Inspired to Act: Paying debt off is not for the faint of heart, so gaining insight from resources can help you to stay on track. Bookmark some favourite websites or blogs on finances. You can also buy some books on finances, though I prefer to borrow them from my local library to keep my money in my pocket. The savvy website, The Finance Bar, is an awesome site where I get motivation to stay focus and keep my eye on the prize. I also love The Smart Cookies Guide to Making More Dough and Getting Out of Debt. This book has been in my collection for a few years, and is my annual financial read each year before I start budgeting for the upcoming year.
With just a few months left, it is becoming a little easier to do what seems unbearable. But no pain, no gain right? I'll be sure to keep you posted on my goal. Please feel free to share your tips and tricks with me as well.
Have a fab weekend beauties,
This weekend TK and I were in hair heaven at the 1st annual Naturals in the 6ix hair meet up.
Over 100 naturalistas came together to be educated, swap and shop for some uniquely Canadian natural hair products. The idea of this event was to educate, inspire and empower people with natural hair who sometimes find it difficult to find products and information in the mainstream.
From fresh fades to dainty dreads to captivating curls, the hairstyles were fierce and to-die-for. Best of all, these curlfriends got to share tips and tricks with one another.
Here were some of our favourite looks:
Major congratulations to the Naturals in the Six ladies (which includes our very own TK), and all of the awesome vendors who brought their wealth of knowledge on all things hair. I can't wait until the next event!
Check out some more pictures in the slideshow below.
Have a fab week beauties,
So I'm back with another great thrift ensemble from a couple of weeks back. One of my favorite things to do is shop. I love shopping for my hubby, my girls and even my puppy. Back in the day I use to buy new clothes every week, because I was getting paid every week. A girl deserves something nice after working hard all week long right????
Well as my family has grown, my budget doesn't quite match so I still like to treat myself every now and then, I just prefer to do it more sensibly now.
These top and skirt were purchased at Value Village. The Chiffon Blazer like top was $4 which I paired with a simple black tank from Forever21 and the floral skirt also from Value Village $4. Shoes David Bitton from Town Shoes. I usually only shop at VV when I have a coupon for 30% or when it's 50% of day. Most time I will mix my thrifted pieces with new pieces especially if they are separate pieces.
Thrift shopping may not be for everyone, but for me with my family of 4 I like to be able to shop and stay cute often. I usually go shopping knowing that I am only going to spend X amount of dollars. I find that's the key to staying within my budget and not feeling guilty.
I would really like to know if there are some great local spots for me to get my thrift on. Leave your comments below and I can feature the great finds.
Happy Friday JR :)
My husband and I are very fortunate to have such a supportive family network. It allows us the opportunity to have time together without our children. I can certainly understand how difficult it can be when married couples with children, do not have reliable childcare options. You have to be creative in coming up with "stay-cations" and candle light dinners after the children have gone to bed.
This past weekend I was able to spend some quality time with my #boothang. We headed to Niagara Falls,Ontario for a birthday getaway weekend with friends. I love heading to Niagara Falls. It's not too far from home, but just far enough to enjoy the sites, food and little casino action. I love my children, but I really enjoy being away with just my hubby. There is something different about being away and just worrying about the 2 of us. No diapers to change, no one saying they have to go to the bathroom, and not worrying about bedtimes. Can I get a witness?
We enjoyed an awesome day that started with brunch at the IHOP. You can't go to Niagara falls and not eat at IHOP. Next, we bowled and played arcade games, all while supporting our Blue Jays even though they lost. We'll get them next time.
We ended our evening with a lovely dinner at BRASA Brazillian Steakhouse. I fell in love with the pineapple that was lightly grilled and seasoned with cinnamon. It was absolutely delicious. Even though I am not a heavy meat eater, I was able to enjoy the variety of steak cuts and buffet style menu. I would recommend going to this restaurant at least once when visiting Niagara Falls.
Being one of the only married couples amongst our friends that were on this trip, I enjoyed the fact that while other couples were in the bliss of the newness of their relationships, #boothang and I have something really solid. We have a grounded friendship and understanding of who we are as individuals. Ultimately,we are a team though, #teamUS. I got his back and he has mine. Our love is unbreakable, and while we have had many tests and trials, I truly believe it has only made our relationship stronger. I hope that as our friends interact with us they see that marriage is work, but if you put in the time and effort you will reap the reward.
So for all those in the marriage game, or contemplating it as the next step, work hard at preserving what makes your relationship special. Make time to enjoy each other despite the ups and downs. There is always someone watching whether you know it or not, so enjoy the ride and give them a great show.
In July, we took our first SbK vackay to the beautiful island of Jamaica. Now for those who don't know, TK and I are actually cousins (raised more like sisters) and we went to Jamaica for our family reunion.
During our week in paradise, we stayed at the Hilton Rose Hall Resort & Spa in Montego Bay. The all-inclusive resort had something for everyone and was a blast for the kids. There was never a dull moment as we spent our days coasting down the lazy river in the hotel's watermark or hanging under a palm tree by the beach. And the cuisine was AMAZEBALLS! We loved the fact that there was an array of authentic Jamaican food for us to feast upon (the snapper sandwich at Mangoes was the bomb.com) and there was still plenty of regular North American dishes for the kids to enjoy. A huge kudos to the entertainment staff, who always made sure the main stage was the place to be. The evening shows at theme nights were epic.
We also got a chance to leave the resort and do some other things like visiting Magaritaville. Some of us even took in Reggae Sunsplash, a festival of Jamaican and international music artists. And a quick jaunt over to the White Witch of Rose Hall plantation. While the week went by in a flash, we had the time of our lives enjoying the island, our family and fun-in-the-sun. Jamaica is a definite must on your travel bucket list no matter the occasion.
After months away and many asking what is happening with SbK, we are finally back. We have been trying to get a lot sorted out and manage mom-life/wife-life, full time jobs and keeping up with the demand of being consistent. We contemplated putting this whole thing to rest, but really thought about it and said, "No! We can do this!"
This last year has not been without its challenges: from re-designing our site which is still a work in progress, doing guest correspondence, sports reporting, and really just trying to remain relevant. Even though you haven't seen much of us in the last few months, doesn't mean we haven't been busy trying to find our spot in this blogger world. We have guest written for very dear Naturalista friends of ours. We will keep you posted on when that article will be released.
So we just wanted to invite you all to come back and stay connected with us as we share what we have planned for this upcoming year.
TK will share more of the chronicles with her "boothang" and what keeps her balanced from athletics, faith and just good times with great company.
While B will open up more about her life with #myguyshii and the fine art of creating the life you want while trying to sustain your needs.
It promises to be a adventure for us and we hope you'll come along for the ride.
Here's to Year 1 and the many more to come.
TK and B.
Last week was one of the most trying weeks for me. It seemed like anything that could go wrong did. I'm sure many of you have had days or weeks like that, for me it seemed like the sun would not shine in my direction. Things with work are pretty much in limbo, and because I spend majority of my time there, it doesn't necessarily help that I don't love what I do. Please don't get me wrong, I am soooooo grateful for employment. Thank God for a job! But I'm really on the search for direction career wise. Searching for my passion.
While I'm trying to figure it all out I'm really trying to live my motto; Faith, Focus, Finish. Along with that I am really trying to stay connected and P.U.S.H. Pray Until Something Happens. I have always been spiritual and had a relationship with God, but as the trials hit, it seems to get harder to PUSH. It is really great to have supportive people in my corner who are praying and encouraging me.
So Today I choose not to let FEAR consume me or hinder me from my goals. I choose to be thankful for all the blessing in my life. I choose to believe that things will get better and stay positive. Not only am I motivating myself but I hope that you will choose to make today a great day and accomplish great things.