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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.

Don’t Forget the Financial Costs of Working from Home

Don't forget about the financial costs of working from home

  Having a job where you can be your own boss, work the hours you want, stay home, work in your pj’s (if you want to), etc., sounds like to a dream job to lots of people. Who wouldn’t love to escape the commute to and from work? No more being stuck in a bus or train beside someone who’s sick and coughing all over you. No more traffic or weather to fight each day, costing you precious hours and minutes you could be doing something else. Working from home may sound like a dream job, and in many cases, it is. But there are downsides to working from home too. One of which is the financial costs of working from home when you are self employed. Before you consider leaving your current job to go it alone, make sure you weigh the financial costs of working from home. Taxes It’s easy to forget about paying Uncle Sam his share of your earnings when everything comes off the top and is calculated for you by your employer before you get your take home pay each pay period. However, it’s not as easy to forget when you have to calculate and ...

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How to Get the Most from Your Doctor Visit

doctor visit

Have you ever made an appointment with a physician and afterward felt as though you wasted your time and money? I have and it’s made even worse because I really hate going to the doctor. Most people have had this type of experience at least once,  and it’s very frustrating to spend time and money going to a doctor visit when you are sick only to leave with more questions than answers. But there are things you can do to help both yourself and your doctor find the answers you’re looking for so you can save time and money by not having to go in a for a repeat visit unless you truly need one. Here are some tips for how you can get the most from your doctor visit. Arrive Early I can’t stress this enough. It might seem like a waste of time to arrive to a doctor visit early, especially when it seems like your doctor’s office is always running behind schedule. But you should arrive at least 15-20 minutes early to give yourself time to complete any paperwork and fill out forms after you check-in, especially if it is the first time you have been to that ...

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How to Spring Clean on a Budget

spring clean

Warmer weather often triggers an increase in many people’s activity and motivation levels, at least I know it does for me. I always get in a slump during the winter, but once April hits I’m ready to spring clean and get to work outside as the weather allows. It’s almost summer now, but I still think it’s ok to do some “spring cleaning”. But if you are trying to keep a tight budget, you might be able to save a little money by employing some different strategies while still making your home tidy and fresh. Here are some tips for how you can spring clean on a budget. Check Your Supply Level Before you get ready to spring clean, you should check to see what you already have and what you may need to get so you can accomplish your spring cleaning. I have often forgotten this important step and ended up buying things I didn’t really need because I didn’t want to run out or “just in case”. Make sure you check out your supplies before you hit the store so you don’t end up buying things you don’t need. Buy in Bulk If you already have a warehouse ...

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Inexpensive Kitchen Updates that Add Value

kitchen updates

Unfortunately, home renovations cost money. It may not seem like it when you watch HGTV and some home owners are able to get seemingly endless home upgrades and updates on what seems like a small budget, but that’s generally not reality. When your budget is limited, like most of ours tend to be for things like this, you need to plan carefully to get the biggest return on your investment, no matter if you are making updates to improve your quality of life or to raise the resale value of your home. So what’s the first room in your home you should look at if nearly every area needs updates of one kind or another? According to This Old House, it’s the kitchen. Below I have listed some inexpensive kitchen updates you should consider because they can add value to your home. Paint the Walls Nothing is more boring than white or beige walls. Take a trip to the hardware store, pick out a cheery paint color, or even two if you have an area that could use an accent, grab your supplies, and add some color to your life. A fresh coat of paint makes a huge difference to ...

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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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