{Giveaway} She Makes Cents Hits 20,000+

Sometimes life gets in the way of fun… and in my case, life has been getting in the way of me making my special announcement that shemakescents.com has hit 20,000 views. Well, we sort of hit it a little while ago, but this is the first opportunity to officially announce it. In honor of this second great milestone, the first was hitting the one year mark, we would like to thank our lovely readers with a giveaway!!! Giveaway rules and regulations will be posted here on May 1, 2012. Check back, for your chance to win!

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{Update} Confession of my New Year Resolutions

New Year’s Resolutions???  That’s so January… Save more money. Eat right. Exercise more. I remember having to try at my goals again after an epic fail the first time around. I think the problem with New Year’s Resolutions is that people set either too many goals or a couple of unrealistic goals. This is why after a couple of days, resolutions seem impossible. Throughout the year, I promised to share my game plan to accomplish some of my goals and resolutions for the year- so here you go!

Check out some of my favs!

Start Putting Money Away for Emergencies

She Makes Cents

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 above. 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.

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 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.


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.

She Makes Cents get abs

She Makes Cents


Reduce Impulse Shopping


See the World

She Makes Cents svae money
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’d 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.

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

The Envelope System Saves $$$

Someone pinned this picture on Pinterest of them dividing their money into different envelops as suggested by financial expert, Dave Ramsey. His explanation of the envelope system was simple and made cents/sense, so I thought I’d share it. My thoughts are in PINK, of course. I hope you enjoy!

~Danielle

Get on a Simple System

The key component to Dave Ramsey’s, “Total Money Makeover” is the envelope system. What is the envelope system, you ask? Well, according to Ramsey, its “way to handle money still works. People used to always use cash envelopes to control their monthly spending, but very few do in today’s card swiping culture”. I will say that it works and the comments to post prove it. Check out Ramsey’s simple basics for starting a cash envelope system.

  1. Budget each paycheck. Budget is a dirty word to most people, but you must budget down to the last dime if you’re going to successfully implement the envelope system. While I know plenty of people who budget a certain percentage of each check, I budget specific figures.
  2. Divide and conquer. Of course, there will be budget items that you cannot include in your envelope system, like bills paid by check or automatic withdraw. However, you can create categories like food, gas, clothing, and entertainment. I usually work off three main categories: groceries, restaurants/entertainment, personal maintenance (hair, nails, or anything that will help me feel “pretty”). I chose these categories for myself because these are the areas I could be tempted to overspend. I pay my bills off the top and then I budget each paycheck into these categories, which were listed in order of importance.
  3. Fill ‘er Up. After you’ve categorized your cash expenses, fill each envelope with the money allotted for it in your budget. For example, if you allow $100 for clothing, put $100 in cash in your clothing envelope for the month.

From Ramsey

When it’s gone, it’s gone. Once you’ve spent all the money in a given envelope, you’re done spending for that category. If you go on a shopping spree and spend the $100 in your clothing envelope, you can’t spend any more on clothes until you budget for that category again. That means no visits to the ATM to withdraw more money!

Don’t be tempted. While debit cards can’t get you directly into debt, if used carelessly, they can cause you to over-spend. There’s something psychological about spending cash that hurts more than swiping a piece of plastic. If spending cash whenever possible can become a habit, you’ll be less likely to over-spend or buy on impulse.

Give it time. It will take a few months to perfect your envelope system. Don’t give up after a month or two if it’s not clicking. You’ll get the hang of it and see how beneficial the envelope system is as you dump debt, build wealth, and achieve financial peace! See … simple! Truth… I sort of fell of the wagon for a while. I actually, couldn’t remember what purse I put the envelopes in until today, when I found them, and I had $20 in my restaurant fund. I started back on the system TODAY!!! It takes work but most great things do….

photo credit: Tales From the Coop Keeper | content: David Ramsey

What are your categories for your envelopes?

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Give It To Your Woman, It’s Her Job

Just recently, I did a post about how every woman should know how to set a table. Should I have written one about how every woman should know how to wash her man’s jeans?  LOL…I think NOT!  Bad press is better than no press, right? Well, I’m not too sure about that. I was reading my morning edition on my iPad when this popped up. It was a picture taken by Emily Barnett, a staff writer for The Daily Telegraph, of the inside of her boyfriend’s jeans.  Like most laundry tags, this one gives launder instructions and then gives the option to just “give it to your woman”. On one hand, I was not familiar with Madhouse Jeans before this morning. On the other hand, I doubt very seriously that they will get my business. Not that I’m getting all self-righteous or anything, I just don’t think it’s cute. These are jeans for MEN, so I don’t think this is an issue of someone being influenced by a sexist message, but rather me claiming my worth as a woman. Sorry honey, it’s not my JOB to wash your jeans. What I’m sure is supposed to be funny just comes off as offensive. I will save money because they won’t get mine. Just my two cents…

I can’t wait to hear what you think about this:

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Negative Job Growth for the Millennials….

I can’t say that I agree with HOW the information is presented.  “The Best Generation Ever” statement is one that leaves quite a few to disagree. I always hear people talking about how this generation is so different…and they don’t mean it in a good way.  While some may consider the Millenials the “Best Generation Ever” others are also quick to add that there seems to be disconnect between the work ethic of previous generations and the habits and work product of this 21st century generation.  Advances in technology make almost everything easier which only fuels proponents to the idea of the new “lazy generation” point. What I did find interesting is that this study found the job growth for millennials is in the negative percentile.  Pinned Image

Talk to me! What do you think?

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{Happy Birthday} She Makes Cents Turns One!!!

Happy Birthday SMC!!!!

she makes cents has hit the one-year mark.  Congrats to all of my fabulous followers for joining me on my journey to being financially free and fabulous.  To celebrate, we are proud to announce that we are now:

shemakescents.com



XOXO,
Danielle & Denia

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5 Benefits of Thrifting

THE POWER OF THRIFTING

Thrifting is not only a great way to save money, but it also provides you with the opportunity to attain rare pieces that set your wardrobe apart from the next person. Aside from creative pieces, thrifting is comparable to diving in a fashion time machine, if you will. I say this because when thrifting, you get to see how trends have changed and how our clothing has not only evolved, but also repeated itself.

Thrifting is great for…

  1. Broke College Students (that would be me).
  2. Costume + Performance attire.
  3. Home Décor
  4. Passing the time without breaking the bank
  5. Gag Gift Shopping

TOP THREE trends I’m seeing in thrift shops now that are trendy even today!

  1. High-waist denim shorts
  2. Patterned Tops
  3. Boyfriend Blazers

A few TOP thrift shopping destinations in the greater Atlanta area:

  1. Rag-O-Rama
  2. Goodwill
  3. Psycho Sisters
  4. Plato’s Closet

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How the Debt Deal Affects You, Your Future, & Your Money


President Barack Obama is scheduled to speak on the debt deal today at 12:15 pm. While people are spending quality time giving their opinions on what was decided and placing blame, I would rather take this time to explain exactly how some of the decisions will directly affect YOU! To be honest, I haven’t been following the “debt ceiling crisis” of 2011 because it quickly became childish with Twitter wars and the blame game. One thing I know for sure is that undergrads and postgraduate students will be hit hard. As a means to recover funds to keep the nation from further defaulting on their loans, the government has decided to end subsidized loans for graduate students. Subsidized loans are loans that do not accrue interest as long as you are still in school. Traditionally, you would begin to pay the loan with interest back 6 months after you get your degree. Now, graduate students will have to start paying on their loans while in school. CNN Money adds, “Under the agreement, a special credit for all students who make 12 months of on-time loan payments would also be axed.”

What about the undergrads?

I remember a time when I thought that you go to high school and get good grades so that you will get into a great college. You then go to a great college and continue to get good grades so that you will graduate, get a great job or continue for your Masters, JD, or Med School. Like magic, I thought this was the automatic path for good students. It wasn’t until I graduated from Spelman that I realized exactly how poor the economy was. I also learned during that time that my competition in the work field and for graduate school was not only recent grads, but also older adults who have been in working and building their resume’s for years. That was my first major adult reality check.

What about the undergrads looking for entry to graduate school? Or even people like me looking to go back to school to get another degree. As I see it, education is getting more expensive and unfortunately, students who would benefit from expounding their knowledge in their intended field are forced to place economics over education. Does it make you feel better to know that the cuts are expected to save the government $21.6 billion (with a B) over the next ten years….?

What do you think?

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