Home > Author Archives: Kayla Sloan (page 10)

Author Archives: Kayla Sloan

Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.

Why it Pays to Organize Your Grocery List

organize your grocery list

I hate to grocery shop. Like I really loathe it. It takes up a lot of time no matter when I go to the store. I’ve tried going on the weekends, but that’s when all of the 9 to 5 40-hour-a-week-ers go to the store. I’ve tried going during their work hours, but that’s when the elderly people who like to walk slowly and talk in the middle of aisles tend to go to the store. That’s also when the stay-at-home-moms go and it never fails that there’s at least one screaming child in the grocery store. Sigh! (No dig to the moms, I know it’s tough to manage kids in a grocery store.) I know several other people who also dislike grocery shopping. But it’s kind of like doing laundry because it doesn’t really matter that we dislike doing it since it still has to get done if you don’t want to survive off of fast food. But there are ways to make it go faster and smoother. One way is to organize your grocery list. Here’s why you should organize your grocery list. Save Time I try to write my list in the order of where the items ...

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Lessons for a First Time Mom: The Voice of Reason

Having a baby is one of the most joyous moments of anyone’s life because it’s an amazing life-changing experience. If you’re a first-time mother, you might be a little lost when it comes to shopping and planning for your new arrival. With so many baby products on the market, it can be hard to know exactly what you need. Since babies can cost a lot of money, it’s important to know what items you definitely need and what items you could really do without to save money. Don’t Hesitate To Buy Used One of the most common mistakes first-time parents make is that they buy everything new. When it comes to buying brand new items for your new bundle of joy, things can get pretty expensive. One thing you can do to save a decent amount of money is to buy used. You can buy adorable baby clothing and accessories on www.swap.com for a fraction of the cost of new clothes. Other items besides clothing that are okay to buy used include: Baby toys Shoes Playpens Changing table Rocking chair Strollers When buying used furniture, always make sure there are no loose or missing parts on them. It’s also important ...

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6 Financial Benefits of Downsizing Your Home

These days, evidence of people downsizing is everywhere – in magazines, on television, and all over social media. Unless you live under a rock, you’ve probably seen it just about everywhere you look. Even in the small town where I live, the Mini Cooper can occasionally be seen, likely due to the spike in gas prices we had not all that long ago. Smaller homes and tiny houses have become more popular as people learn to live with less stuff. Having less certainly frees up your time, but there are also some major financial benefits of downsizing your home. Here are 6 financial benefits of downsizing your home. Time Since I already mentioned it, let’s talk briefly about the financial side of saving time. Having a smaller home means less time picking up, cleaning up, and maintaining your home. The extra time you save could be spent working a side hustle. This means extra income for you. Mortgage Payments It makes sense that a smaller home equals a lower cost, which also equals a lower mortgage. At the same time, if you go ahead and make a larger payment each month, as you would have on a larger home, you ...

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4 Expensive Habits I’ve Given Up to Save Money

expensive habits

Shortly after I finished college and entered the “real world,” I started a good job in my hometown which required a more professional wardrobe. I also bought my first house and furniture only months after graduation due to a rental housing shortage in the town where I live. I was only 21, and all of a sudden I had debt – a lot of debt. It didn’t take too many sleepless nights for me to realize I needed a budget. This is when I found personal finance blogs. During the process of creating my first budget just a couple of months later, I eliminated some habits that were costing me money but weren’t really necessary. Although I still have a pretty nice lifestyle, I gave up some expensive habits so I could pay off debt and save money. Here are 4 expensive habits I gave up to save money. I hope it will inspire you to look for similar ways to cut unnecessary spending from your own budget. 1 Clothes Shopping When I was a poor college student I couldn’t really afford to go clothes shopping unless it was an absolute necessity. But that didn’t always stop me. I did ...

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How to Wrap up Your Tax Season

This post was sponsored by #BlockAdvisors. All opinions are our own. As the close of the 2015 tax season rapidly approaches, it is not the time to sit back and do nothing until next year. There are plenty of tasks you can start on to make next year’s tax season flow even smoother. Here are some ideas of how to wrap up your tax season and get a jump on next year. 1 Work with Your Tax Preparer Maintain a good relationship all year long with the person who prepares your taxes, like the tax professionals at BlockAdvisors. Your tax preparer should know your history well enough to contact you early in the year if there are going to be changes that could affect how you conduct your business the rest of the year, or after completing your tax return from the prior year. Don’t wait until next year to find out new tax laws mean you will owe money to the IRS when you counted on a refund, for example. By knowing in advance, you could set aside money in preparation to pay in. If your accountant or tax professional hasn’t let you know of the current changes, be ...

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