Block Anything That Gets In The Way of Your Goals | Money Challenge Week 5

Hello Lovelies and welcome to Super Bowl weekend.  This folks, is a big deal for everyone from my hometown of Atlanta!  Since it is Super Bowl weekend, I will break down today’s money inspiration for you in sports terms. I want to inspire you to check your financial plan.  Is it current?  Does it reflect your current financial status and goals (gosh, the last time I posted mine was in 2013)?  If you’ve never created a financial plan that’s okay too because today is a great time to do so.  Your financial plan is like your game playbook.  Your money is the football and it is your job to block anything that gets in your way of getting to you getting to your goal.  To do so, you have to reference your financial playbook from time to time.  There will be setbacks (see How to Comeback from a Setback), people who will attempt to block your progress, and times you may have to go out of bounds.   Trust me, you can win at this debt game! Let’s turn your Xs and Os to dollar signs.  shemakescents-com-1The weekly habit of saving money with the She Makes Cents 52 Week BINGO Money Challenge will always be a part of my financial plan.  I saved $108.00 dollars for the month of January and today I have crossed off $21.00 putting me at a YTD of $129.00.  I can’t wait to see how many thousands of dollars I save again this year.   So many of you shared with me that your savings will be going toward vacations and paying down debt.  Let’s make sure that you have also included this money challenge into your financial plan so we can see your savings increase and your money challenge rewards materialize.  Everyone have a fantastic weekend and Atlanta Rise Up!shemakescents-com-2

{September Update} Confessions of New Year’s Resolutions

This post is dedicated to Audrey at Just Add Paris…hey girlie! Back in April, I posted an update to my New Year’s Resolutions. As we approach the final leg of 2012, I thought I owed Ashley an update since she asked me to write one over a month ago. So…here goes:

Start Putting Money Away for Emergencies

January 24, 2012: Since I’m being honest, I might as well go all in. Currently, my emergency fund looks like the sad little piggy pictured here. That’s right, even She Makes Cents, has to get her own finances together sometimes. I almost depleted my fund when… an emergency came up. I am so glad that I got myself into the habit of saving for the unexpected because life would have been so much harder without one.

April 4, 2012: I have started my emergency fund again and I must say it feels good. I really hope it will be a long time before I have to tap into it since there isn’t much in there and two, no one likes emergencies.

September 30, 2012: I’m still going strong putting away money into my emergency fundJ How are you doing with your emergency fund? 

Cook More, Eat Out Less

January 24, 2012: The Mr. and I love trying new restaurant spots; consequently, we have gotten in the habit of going to restaurants multiple times a week. Sometimes, I even eat out multiple times a day. While examining our finances, we both concluded that we can’t save if we are constantly spending on dinners out every night, plus tips for the servers, plus parking. Do you see how quickly it can add up? Not only are we spending too much, but also it is counteracting to my bangin’ body goal.

April 4, 2012: Well…we still eat out, but we are now more conscious of it. Using the envelope system has really helped with this one. I set aside a certain amount of money per check for non-grocery food expenses. For example, I stopped at Smoothie King this morning for a Pineapple Surf and used my “restaurant fund” to essentially…fund it. The envelope system, regarding eating out, has also forced me to really think about my motivation. Am I really hungry? Am I going to be social? Now, I need to work on the “cook more” portion of this resolution.

September 30, 2012: We are still working on it. I have actually set a new goal for myself to eat at least 10 home cooked meals a week. I might actually like cooking a little more. Did I mention that I made my first lasagna from scratch?

Bangin’ Body 2012


January 24, 2012: I think this one is a little self-explanatory. I will just let these swimsuits be my inspiration. I say show it while you got it…so I have to get mine tight. Get it right, get it tight 2012!!!

April 4 2012: I am pleased to announce that I am actually starting to see a difference in my tummy. I started jogging, stretching, and taking the dog out for longer walks. I am also trying to eat a little better, so once swimsuit season officially begins; I hope to have accomplished my goal of losing 2 to 3 inches. As of yesterday, I’m already down an inch.

September 30, 2012: I actually just started “The World’s Fastest Workout” and let me tell you it is NO JOKE! I also plan to take advantage of the FREE online classes that Keep It Moving Fitness is offering to readers of She Makes Cents. I now have a goal to be healthy first and then the bangin’ body will follow.

Reduce Impulse Shopping



September 30, 2012: I am finding that my urge to impulse shop has significantly reduced. I am happy about it and trust me, so is my wallet!

See the World

April 4 2012: So my Dad and I are getting our passports updated this week. This is very necessary since I will be celebrating the Mr.’s 30th birthday in Germany among other places. Overall, I would say that I’m not too far off of my goals for 2012. While I could be doing better in some areas, I could also be doing A LOT worse. In fact, as I accomplish my goals, I will start replacing them with new goals.

September 30, 2012: I got my passport and I am back from Germany and Czech Republic. This was both of our first international trips and we are already planning the next one. It was an AMAZING experience and now I want to see more of the world. We toured castles and beautiful Cathedrals, kissed under the fake Eiffel Tower, shopped, tried foods, celebrated the Mr.’s Dirty Thirty in style! I even found a TK Maxx over there, which was their version of TJ Maxx! Yep, I was shopping smart even 4,000 miles away.



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100 Ways to Save Money!!

98…99…100 ways to save!


It has been a while……a long while, since I have had the opportunity to just be still and enjoy one of my favorite Sunday pastimes, reading other peoples’ blogs. In doing so, I can across a post about savvy ways to save your hard earned money. I think some of the points are great and they force you to think before you spend. With the holidays coming up, the urge to overspend is heightened as many people correlate gifts with love. Then what happens? Saving money, along with losing weight, rises to the top of many New Year’s Resolution List. Savvy Girl, from 24savvy.com, created her “100 Savvy Ways to Save” (to check it out, click here).

I’d Love to hear what you think!

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Email SMC: shemakescents@gmail.com

inform and inspire ways to use your “cents” to live a fab life