Shout out for NO SPEND SATURDAY

OK so we DID get our Costco groceries haul for December, but just necessities..right along with milk and eggs, Cheez-it’s are totally necessary right?! Also, my uncle and cousin were passing through town and kind enough to take us out to lunch so we could catch up.

2.6 mile trail walk with kids FREE

Impromptu photo shoot FREE

Finding a tree stump to sketch FREE

Finding a cool leaf FREE

New walking stick FREE

New pet caterpillar FREE

Is it just me, or have you noticed that the less you spend, the more freedom you have to enjoy yourself?!

No stress of watching your hard earned money leave your bank account or worrying about if you got someone the right thing or if it’s the right size or color or whatever the many stressors that come with shopping are. No stress about how the other bills are going to get paid now that you decided to make this purchase, or the extra hours it will take to cover what you spent. I know that when I spend money, the dynamic changes. I now have expectations and pressure to make sure it’s a fun time or a good meal or the best most memorable gift. Maybe it’s just me, but if I take spending out of the equation, then I literally don’t have to worry about it. It then becomes about enjoying the moments and making memories with my peeps.

The weekends, and especially those leading up to the holidays are HARD. Everyone has a deal going and all of our senses are inundated with smells of candles or food, seeing a must have item advertised for $5 off, touching all those soft blankets and stuffed animals, hearing the ads and workers at the store telling us today is our last chance, etc. This is all that most of us are used to..our society has been like this for as long as I can remember, and as long as we continue to consume at the rate we do, nothing will change. We truly have to make an effort to avoid, so if you are able to stay strong on any shopping front, you are winning. A great way is to start with a No Spend day or weekend. Another great way to do so is 1) to set a Holiday budget and 2) stick to it. Know who is on your list, know how much you want to spend, and make sure you have the funds to cover any of this. If not, your family and friends would much rather you bake some cookies, or spend time with them than to have you go into debt to show your love. Trust me on this one!!

Who else left their stress at home and their money in the bank today? Any other tips for surviving the holiday season?

Intro time

Intro time! I want to learn more about all of you, so please share as little or as much as you want. I will get it started. 👋

My personal residence in the Kansas City area is what I call “the zoo”. Always lots of dogs and kids running in and out and if the garage is open, then let yourself in. 😉

I have two awesome kids..one who is learning to read and the other is reading lines in her latest city theater play. I have a very patient and supportive husband, with a beard, who breaks gender stereotypes by cooking, doing dishes, AND the laundry. 🧺

A few hobbies include meditating, yoga, running, reading, writing, eating but not cooking, and volunteering on the board for Habitat for Humanity and as a big for big brothers and big sisters. I work for an insuretech company and my degree is in sociology with a minor in psychology and I LOVE people watching. 👀

When I look back on what we’ve done this year since I started mysemibasiclife, it’s been a journey of finding our values, embracing minimalism, doing a No Spend Year, paying off $165,000 in debt, buying two rental properties, and continuing to build wealth through diversification. 💰

My goal is to help you take control of your mindset and financial future, so you can design a life and a legacy to leave your mark on this world. 🌎

I’m an open book, so ask me any questions and tell me about yourself. 👯‍♀️

Photo credit: my yelling and my IPhone timer

No more tampons..period

Let me tell you something that’s going to blow your mind. I used tampons for a good 20 years of my life, and much like all the other topics I write about, I did it because everyone else was and I literally didn’t know there was another way. Sure there are pads if you want to throwback to your diaper days and feel disgusting for a week out of every month..ummm..hard pass. I still remember in great detail my struggles as a teen learning how to install my first tampon with the super unhelpful directions and diagrams that come with the box. Even after twenty years of practice, it still never felt like it was installed right. 🤷‍♀️

Imagine my surprise about four years back when another woman casually mentioned to me her menstrual cup. Ummm..excuse me..are you getting a drink for your vagina or something?? WTF is a menstrual cup?? Better yet, why has nobody told me, your fellow woman, in all these many menstrating years, that there were other options?? I felt like y’all have been holding out on me, and I don’t want anyone else to go even one more cycle without the period knowledge I’m about to flow upon you. Because the menstrual cup is a GAME CHANGER. 💃🏻

How a menstrual cup will change you:

1. Comfort-Seriously..nothing like the feeling of inserting a tampon on a light flow day and having the experience of pulling that bad boy out at the end of the day..ouch. Also, the leaking..the freaking leaking..why do I even bother with wearing it if it’s still going to ruin my underwear? Don’t worry..these are concerns that I have never had with my menstrual cup!!

2. Better Periods-Because if you’re going to have one every month for 40ish years, might as well make it your best version right? I swear that my periods have been shorter and lighter since I stopped using tampons. Also, the cramps are almost gone and bloating has decreased a lot. I really think a lot of period symptoms are due to all the tampons laced with chemicals. ☠️

3. TSS-See my above mention of the chemical and dye soup that is just begging to attract bacteria into your body from tampons. Also, I used to get UTI’s and yeast infections and haven’t had not a single damn one since I stopped wearing tampons four or so years ago. Coincidence? I think not. 💁‍♀️

4. Convenience-I used to change tampons every 2-4 hours, and first I had to find another tampon, go buy one if I’m out, and sometimes the only option is the gas station sandpaper ones, and then next was go install it and find a trash bin for the applicator and wrapper. Now I simply just have to bring myself and my cup, and only empty it out every twelve hours. So I do it when I wake up and when I get home..that’s it. I’ve never had it leak during a run or downward dog, and no it doesn’t look like a murder scene when I empty it like the menstrual cup memes make you think. I’ve had one incident where I spilled, and I cleaned that shit up like a good murderer and went about my day. No evidence. No big deal. I would however advise you to leave your four year old son out of the public bathroom with you if you need to empty, because well, they have questions, and loud voices, and they tell EVERYTHING to EVERYONE.

5. Mother Earth-Did you know that each of us menstrating women generates 1,000 lbs of waste in our lifetime from tampons, and the applicators take 500 years to break down?! Ditch the tampons for the turtles!

6. Money-If you go through the average 12,000 tampons in your lifetime, then you will also spend around $4,000 in total. Go get you a $30 menstrual cup that will last you ten years, and invest the rest. Throw that money into a Roth IRA instead of a landfill. 💰

Alright..I know you have questions and I’m not shy..so ask away. 😉

And if you’re sold like I was..link below to change your menstrual life today!

https://amzn.to/2ITT9VZ

The Debt Epidemic

🚨Keepin it real rant ahead🚨

This is us..this is America..scary huh? What if I told you that we are all responsible for this culture of debt and living above our means and we all have to contribute to putting an end to this. It’s hurting us, our kids, our health, our planet, it’s an epidemic and I wish more people were feeling terrified about the topic. It just keeps getting worse each year, small credit card purchases, car payments, student loans, slowly adding up to over $13 trillion. 💳

Who’s ready to break the cycle?? And I don’t mean just pay off the minimums and maybe a little extra to continue to be a slave to debt for the rest of your life. I don’t mean to just do a debt consolidation or home equity loan or line of credit to pay off..because debt is still debt..whether it’s paying ten different people or paying one. And now that you’ve consolidated, guess what, you’re probably just going to add MORE debt now that you’ve freed up those credit cards. 🤷‍♀️

Your past will continue to haunt you if you aren’t ready to take a long hard look in the mirror and realize that YOU created this mess, and YOU have to do the hard work to not only get out of it, but STAY out of it. You have to STOP talking about how you don’t make enough money, you’re just barely scraping by and don’t have any extra to pay, maybe once you pay off the car or once you get that tax return you will, or once you get a raise you will, you are lying to yourself. STOP playing the victim and STOP making excuses for your spending habits. You’re only hurting yourself.

Also, those student loans, yeah those suck just as bad as the credit cards, but you CHOSE to go to school and you took them out, so guess what? You owe it..so PAY that shit back already!

YOUR kids SEE you living that lifestyle, and they HEAR you fighting about money, and they FEEL your stress at the end of the month when there’s not enough paycheck to go around. They see you treating yourself “because you earned it”, and they are learning that shopping makes everything better..new stuff will take away that rough week..only it wont.

Harsh words, but let me ask again..who’s ready to break the cycle??

Seven FREE Apps to help you become stress free

Ok..so my title may be a little misleading..since becoming stress free is likely impossible. But I needed to get your attention and it sounded catchier than seven free ways to reduce stress. 🤷‍♀️

You guys..it’s 2019 and we KNOW that we are all living with a more demanding schedule causing a more stressful life AND it has been proven to have an impact on our health. Some studies say that as many as 80% of people are feeling both physical and psychological effects of stress, such as fatigue, headache, stomachache, muscle tension, anxiety, nervousness, irritability, and sleep disturbances, just to name a few. Do you currently feel stressed?

I keep talking about minimizing the demands on your time and that as a society we need to stop glorifying “being busy” as a status symbol of success, but are you listening?! We also need to start ditching unhealthy coping mechanisms, like drugs, cigarettes, over or under eating, alcohol and my personal favorite..the art of ignoring your stressors until you have a nervous breakdown.

You guys..can we please try to be proactive instead of reactive already?! I’m not begging you, but pretty damn close, because this is that important!! I’m even going to make it easy and convenient and FREE for you, so that takes away all of your excuses. Here are seven tools and/or apps to keep in your back pocket, and you should be at minimum doing 2-3 of these things in your day to day, and holding on to the rest for those extra stressful days.

1. Headspace-this app reminds me of Notorious BIG and the song Hypnotize. 🎶 sometimes your words just hypnotize me 🎶 This app has helped to hypnotize me both to get to sleep at bedtime, and then back to sleep middle of the night when my brain was ready to party. 🧠

2. YouTube yoga videos-there are SO many videos that it’s likely you could watch a new video each day for the rest of your life. Depending on you and your unique coping, you may need either a restorative gentle video or an intense vinyasa flow. Or maybe you fall in the middle..but just don’t fall in the group that doesn’t take advantage of the free yoga available and go get you some zen! 🧘‍♀️

3. Journaling-Daylio, Jour and Reflectly seem like good journaling apps, or if you’re like me, you can always just grab one of those random notebooks around your house and write it out (don’t act like you don’t have a hundred of them).

4. Music-ok so my AppleMusic isn’t free, but the radio is, or YouTube music videos, or Spotify or Pandora. Make yourself a few playlists..one for high stress and needing some good vibes and high energy, and another for relaxing music to calm your soul.

5. Walking/Running-no app required..just the outdoors or a treadmill. But if you’re looking for coaching, the C25K app or the Nike Run Club are both apps I love and use!! Bonus points for grabbing a dog to take with you, they get stressed to you know.

6. Daily affirmations-I have an app called affirmations, and it’s one of the first things I look at on my phone after I’m up and moving in the morning. I get a new one everyday, and it’s just that daily reminder that you are a bad ass and can handle any of life’s stresses today, so bring it.

7. Reading-I use the Libby app., which syncs with my library card and gets me free ebooks and audiobooks. Nothing like feeling stressed and taking a moment to forget it all and get lost in a good book.

These are all ways to ditch stress and get back to being awesome.

How do you manage stress?

Carnival Season

It’s carnival season around here..one of my favorites for watching my kids just be kids and enjoy some screen free fun time, it’s also my favorite for people watching, and don’t forget the funnel cake.😋 🎡

The one thing I don’t like is how much it all adds up in price..parking, vendors, a ride here, a ride there, games and then of course the drinks and food. 🍕🍦🍿🥤

This year..we just picked one of the three carnivals we usually go to. I also avoided the $10 parking by finding a spot on the street for free. We ate before we left the house and brought our own water.

My best move was convincing my kids the games weren’t as much fun as the rides. Since they only care about the prizes anyway, I told them we would go to Dollar Tree after, and they could pick out any item in the store. They didn’t even ask to play any games, and we even saw another kid asking his parents to play and Caleb told him that “the games were a rip off because they were just trying to take his money to get rich” 😂

We did splurge on the $20 all you can ride wristbands for each kid, and a $5 funnel cake to share, so with my Dollar Tree promise, I was all in for $47. I was proud of this, because we usually spend at least double, if not triple this during carnival season, and we end up with meltdowns about “one more game”, and end up with a bunch of crap toys or stuffed animals we don’t need also. 🧸

To be honest, the spending less part was great, but we had more fun this year with one carnival and without all the extras. Getting used to a more simple minimalist lifestyle gives us a chance to really enjoy the best things in life that have always been free..the memories. 💕

8 ways to eat out for less

Chipotle is my weakness and I love everything about it..except that it would cost my family around $750 a month if we ate it for dinner every night. 🤑

So we try to limit it to be a once a month treat, and try to find ways to make it even more affordable than it already is. Today, we got 6 servings of food for $16.72!! I also got enough napkins for both of our car glove boxes for the next few months..lol.

But while I was ordering today, I thought about some different ways that you can save money while eating out, no matter what you’re craving.

1. Don’t eat out at all..and if you’re like me and know that not eating out at all is a recipe for disaster, then limit it to once or twice a month and budget for it. (if I don’t eat out at all, then I will fall HARD off the wagon and go on a wildly expensive and unhealthy eating out binge)

2. Eat before hand. Yes you read that right..grab a snack first so you aren’t ordering more than you need or super sizing because you’re starving. Or if you’re eating out for dinner, make sure you had a good lunch that day.

3. Does everyone really need a meal or at minimum..their OWN meal? Likely not, so do like we do and make quesadillas at home for the kids and let them eat a little guacamole and chips as a side or you can share an order of food also.

4. Much like the previous tip, the portion sizes are ridiculous these days and WAY more than one person needs in one sitting. I ask for extra rice because it’s free, and I can make 3 meals out of one bowl.

5. Find some add ins or sides from home. We usually do chips from home and add some carrots and grapes for sides. Or if you’re ordering a pizza, skip the breadsticks and make a salad at home with it instead.

6. Look for promotions! Chipotle was doing BOGO for wearing a youth soccer jersey this weekend, so I dressed my soccer star in his and got a free bowl for it. I know Chick-Fil-A does similar dress like a cow promotions. This makes it fun also, because you can dress ridiculous and get some crazy second looks from people.

7. Join the rewards program. Don’t get me wrong..don’t use the rewards program as an excuse to eat out all the time, but if you can earn a free entree down the road for when you do plan to order, then take full advantage of that. If you’re like me and get excited and forget, Chipotle has a way to upload receipts afterwards. (as long as you do it within 30 days of ordering)

8. Do carry out. If you dine in, you are more likely to get pressured into adding on drinks, appetizers, and desserts that you don’t need. Also, you will need to add a minimum of a 20% tip, and tipping is also something you have to do for delivery. So avoid it and go grab your food and take it to the park or take it home to eat. Save the fancy sit down meals for extra special occasions, like an anniversary or birthday.

Those are some of my secrets to saving money while still getting your favorite fast food fix. What are some ways you save when eating out?!