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

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??

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. 💕

Final Food Prep Post

Last one guys..I swear. I didn’t want to overwhelm you with a bazillion in one long post, so this will be my third and final on my food prep containers.

The kids tested these warming bad boys out and said their macaroni stayed warm for the four hours until lunch..once again Karen..move along if you don’t like what we’re eating over here. They even have an adorable built in spoon that we will enjoy exactly one more time before it gets lost. 😜

Link:

https://amzn.to/2zGCccZ

And my fave is this little personal salad buffet. I mean..you can put ALL THE TOPPINGS..and the DRESSING even. Refer back to my previous post about how all the food shouldn’t be touching until I’m ready for it to touch. It’s also a step further than my weird quirks, since it helps stuff stay fresh. I asked my husband for his review..a man of many words said “I liked it”. And there you have it folks. The best review he’s ever given. 🤷‍♀️🥗

Link:

https://amzn.to/2zxitw8

Last but not least..the full lineup that is setting me up for years to come, including my reusable snack bags and salad dressing/dip containers-with links below. Let me know if you have any personal favorites for meal prep!!

Reusable snack bags: (not my exact ones because they no longer sell, but similar)

https://amzn.to/2UhmvlR

Salad dressing cups:

https://amzn.to/2Uh0pQA

Where’s me lucky charms 🍀

Another of my go to food prep containers and I have a few more to bring your way in the next few weeks. This is another amazingly easy container for making breakfast for breakfast or breakfast for lunch. I know I know..cereal has sugar..and also I don’t care. Look Karen..If you don’t like what we’re eating over here, then don’t sit by us at the lunch table. 🤷‍♀️

I’m not telling anyone to eat cereal every day for a meal..so lighten up a little and think of it as a treat once in a while. This container would also be great for oatmeal/granola or yogurt/berries, or rice/beans, or soup/crackers..the possibilities are endless honestly. It even has built in ice pack and is microwave safe. Basically great for anything you want to be separated at one point in time, but then mixed together at a later time to form a delicious meal. 🥣

If you want to be like me and not be like Karen..then follow the link below..and go get you some cereal and milk in bulk at Costco. 😉

https://www.amazon.com/gp/product/B07T25LR79/ref=as_li_tl?ie=UTF8&tag=543704-20&camp=1789&creative=9325&linkCode=as2&creativeASIN=B07T25LR79&linkId=97a9d31835223782fb495a5185b20dda

The Best Meal Prep Items

With back to school upon us, along with another year of back to work (after a weekend off..lol), I thought I would share some of the containers that I absolutely love!! If you are trying to stop eating out as much, whether it’s to save money, eat healthier, to simplify your life, or whatever your reason, the right containers can set you up for success! It took me under thirty minutes to prep lunches for myself and my five and ten year old for the upcoming week. With the amount of time it takes to run out and grab lunch, along with the cost, I expect to save over $2,600 dollars for me, $1,000 for kids and 7,000 hours of my time. (15 mins each way to grab a $10 lunch x 5 days a week and kids school lunch at $2.50 a lunch x two kids)

The first and absolute favorite is what I refer to as the “food tackle bait” containers. These bad boys are perfect for bento box snacky type lunches, since they have containers perfect for people like me who get weirded out by their food touching. 😂. Also for non-food touching weirdos..it’s still nice to keep things separated and fresh so you can prep in advance. You see modeled here in the back containers with hummus/crackers, guacamole/chips and strawberries, carrots and almonds. Perfectly balanced. 👌🏼 The front container is another awesome one for those of you who like sandwiches of any variety. 🥪 Seen modeled below in the front with an English muffin, peanut butter, celery, apple slices, and pretzel twists, all of which I’m fully prepared to dip in peanut butter. 😋

You guys..I’ve tried a LOT of meal prep containers, and these are hands down the best bang for your buck.  My old ones were cheaper, but they also were cheaper quality and cracked and broke in under two years.  These are heavy duty and also have more space for food.  I’m so excited and I don’t get excited over much, so if you are just as excited and ready to set yourself up for meal prep success, links below to each item.  Follow me for more upcoming posts on ways to simplify your life and save money and your health in the process!

Let me know what you think of these containers and what you plan to do with all that saved time and money!!

Food tackle box container:

https://www.amazon.com/gp/product/B07FMQL1TN/ref=as_li_tl?ie=UTF8&tag=543704-20&camp=1789&creative=9325&linkCode=as2&creativeASIN=B07FMQL1TN&linkId=431257d1f1e0c1fc4eeda7c3198f420e

Sandwich container:

https://www.amazon.com/gp/product/B07RP46XC3/ref=as_li_tl?ie=UTF8&tag=543704-20&camp=1789&creative=9325&linkCode=as2&creativeASIN=B07RP46XC3&linkId=d3bb07523bc590f78723b8554b82f17b