Five Ways I'm Kicking Debt's Ass This Year

  stop buying what you can't pay forHEY GUYS!

It's been about three months since I've blogged here, and I'm not going to lie, I've missed it a lot. So much has happened, and I'll give you the scoop on that another time.

So let me tell you the story of my rude awakening with how broke I am. I started a new job a few months ago, and I was (and still am) over the moon about it. I received a significant raise, and I feel like a valued employee. But what I didn't consider was the gap in payments I would receive. I'm not proud about it, but I've lived paycheck to paycheck for years. I know it isn't smart, but I never changed my circumstances to make my financial life more comfortable. So for the first time in a long time, I was scraping the bottom of the barrel. I was broke! Not to mention, I ended up maxing out a couple of credit cards just to make ends meet. My ENTIRE situation could have been avoided had I planned better.

So after a few weeks of crying and going into hysteria (😩 ) trying to fix everything and to stay afloat, I am implementing these five things and am already seeing a big difference:

1. Mega mindset shift

I have never had a money conscious mindset. I have a que sera, sera lifestyle. No more. I always consider finances, and I have taken all credit cards out of my purse. I pay everything with my debit card. I always consider my budget (see #3). I even have these silent alarm reminders pop up on my phone to remind me to stay on the right path.

2. Incorporating the snowball method

So this is Dave Ramsey's way of paying off bills, and it is pure gold. You put all your debts in order from lowest to highest. You pay the minimums on all of your debts except your bill with the lowest balance. You do everything you can to pay off that lower bill, and you feel like a queen that has conquered a huge victory. You then attack the next bill by paying the minimum, PLUS the minimum from your first bill, and anything else you can afford to put on it. See where I'm going with this?

3. Every Dollar app

Holy crap. I always used Mint.com, which at times, made me feel overwhelmed and defeated. But the Every Dollar app shows where every single dollar you bring in goes. I never realized how much I was spending on silly tools and extra groceries. It's been a total game changer.

4. Sell, baby, sell

I had so much random stuff in my house that I wasn't using, so I sold it. In one weekend, I made $220. Now, I'm scouring my home looking for things to sell all the time.

5. Cook like crazy

Don't judge me. I may be eating a chili dog that I bought at a food truck by my job. But I typically cook as much as I can now. I've been an Aldi fan for awhile, but I do as much of my grocery shopping there as I can there because everything is insanely cheap. My monthly grocery spending is nearly cut in half!

I'll keep you posted. I'd like to pay off half of my credit cards this year. I bet I can do it.

I'll keep you posted. I'd like to pay off half of my credit cards this year. I bet I can do it. See you soon!

 

Why I Can't Live Without my Get to Workbook Planner (And How 10 Other People Use It)

Get to Work Book It's no secret that planners are a big thing right now. It's like putting everything on paper makes you more accountable or something. Well I've gone through a few planners, and let me tell you, the Get to Workbook is everything to me! It's a project based planner, perfect for me and my blog and business. It lacks a lot of color and flashy stuff--which is absolutely perfect for customization. I've used stickers, stamps, post its, highlighters, pens, pencils, you name it. The entire book is dated for you, so you don't have to waste time plugging in dates. Every month also includes a project sheet (see how I used my September project sheet below), a reflection sheet, an open grid sheet and an affirmation.

The 2017 book is available now, so check it out!

If you're looking for some ideas, let me show you what people have posted on the gram. Get ready for some planner porn.

 

 

I ❤️ doodling in my favorite planner which right now is the #gettoworkbook. 📖🖋. #rachellesplanner

A photo posted by Rachelle Marshall (@rachellemarshall_) on

 

 

#gettoworkbook just wanted to show how pink my planner is this week, not the specifics of my job stuff

A photo posted by Celena (@celenayestrada) on

 

 

 

doodles + lettering + pens + planner = my obsession ❤️ #rachellesplanner

A photo posted by Rachelle Marshall (@rachellemarshall_) on

 

 

 

 

 

 

Sunday ☀️ morning LDS General Conference doodles and notes ❤️ #ldsconf #ldsgeneralconference #october2016 #rachellecreates

A photo posted by RACHELLE MARSHALL (@rachelle__marshall) on

 

 

 

 

 

 

 

 

 

 

 

 

 

Free Workshop: Media Kit 101 for Bloggers and Small Biz Owners

how to make a media kit workshop I'm SO pumped to do my first webinar in four years! If you want to be on a brand's radar for partnerships, samples or compensation, making a great first impression is a must! In this workshop, we'll discuss the basics of a media kit, a one page document that serve's as your blog's resume.

The workshop goes down October 7th, 2016 at 12:30pm EST. Can't wait to see you guys there! Register here:

How To Create a Youtube Channel Banner for Free Using Canva

youtube channel banner how to When you're serious about your Youtube channel, there are a few things that you can do to brand yourself. One of the easiest ways to customize the experience for viewers is to create banner art for your homepage. I've seen people create all kinds of banners--some include their social media handles, their upload schedules, a call to action, or a collage of pictures.

Today, I'd like to share a simple tutorial that shows you how to create a simple branded Youtube channel banner using one of my favorite free web tools, Canva. I took one of the pictures from my photoshoot with my brother, and I added my social media username. In the future, I'll probably change this, but it worked well for the demo.

While the banner seems simple, it gets a little tricky due to the size dimensions for TV, mobile and desktop viewers. Here's how Youtube breaks it down:

Channel art may look different on desktop, mobile, and TV displays. For the best results on all devices, we recommend uploading a single 2560 x 1440 px image.

Minimum width: 2048 X 1152 px. This is the "safe area," where text and logos are guaranteed not to be cut off when displayed on different devices.

Maximum width: 2560 X 423 px. This means that the "safe area" is always visible; the areas to each side of the channel art are visible depending on the viewer’s browser size.

If you're not sure about the width and height of an image, download our Channel Art Templates to see how images show on different devices. You can use your computer's image editor or find one online to resize the images.

I hope this tutorial is helpful!

Ulta 21 Days of Beauty: Platinum Perks

screen-shot-2016-09-12-at-9-22-47-am It's week number two in Ulta's 21 Days of Beauty, and there are some bonus deals that are pretty fantastic. The platinum rewards club is a title you'll get when spend $450 a year at Ulta. I'm gonna go ahead and tell you that the Becca Mineral Blushes are luxurious, and they give you a delicate sheen that your cheeks will love. Also, I'm gonna swing by Ulta and try the IT brush #15. I swear by their airbrush concealer brush, and this complexion blush looks like it would blend foundation like a dream. Not sure that I need that foundation, but the brush--YEP.

Have you purchased anything from the sale yet?