Home > Author Archives: Kayla Sloan (page 4)

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.

How to Deal with Stress as a Business Owner

How to Deal with Stress as a Business Owner

Everyone has to deal with stress from time to time. It could be from a difficult situation or relationship in your personal life. Or, perhaps it’s your professional life that is causing you stress and anxiety instead. If it is the latter, and you are also the owner of the business you work for, there are ways to help you deal with stress as a business owner. 1. Don’t Push Beyond Your Limits Pushing past your emotional, psychological, and physical limits is a problem many of us have. We go and go until we nearly drop from exhaustion. Once our bodies tell us we must stop and rest, we do, although reluctantly. It seems that some of us are nearly incapable of relaxing until we are forced to. As an alternative, don’t push beyond your limits. Know what those limits are and catch a few hours extra sleep now and then or take a break and go for a short walk during the day to reduce your stress limits so you can run your business at its optimum. There is some great advice on stress relief from the NHS which you may find beneficial. 2. Eat Healthy Foods Its advice ...

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5 Ways Freezer Meals Can Save Your Butt and Your Budget

5 Ways Freezer Meals Can Save Your Butt and Your Budget

I haven’t always made freezer meals. Back in the day, I used to eat out whenever I was in a rush for a meal, and I didn’t always make the most nutritious choices. I had a full time job and helped with my family’s farm which kept me busy even though I’m single. But when I began freelancing a few years ago I became even busier. As my side hustle grew the amount of time I had available for cooking diminished to almost nothing. Out of necessity, I began planning meals ahead and making freezer meals about once a month. Using either my crock pot or oven, I was able to cook meals and work at the same time. Making freezer meals really saved my butt. Here are 5 ways freezer meals can save your butt and your budget too. 1. Use What is on Hand One of the ways freezer meals can save your budget is by helping you use what you already have on hand. Take inventory and make a list of the items and their quantities in your pantry, cabinets and freezer. Next, pull out your favorite crock pot recipes or look some up on Pinterest or ...

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Should You Pay for Childcare if You Work from Home?

Should You Pay for Childcare if You Work from Home?

Many people who have outside jobs as well as kids dream of having their own business and working from home instead. In their imagination it would be a perfect, utopia where their children happily play, making very little noise in a clean, well-kept home. Meanwhile, they would work in an efficient, relaxed environment free from the corporate machine and difficult bosses who dictate their every move. In addition they would rake in amazing amounts of money and save even more by eliminating their childcare expenses. But the reality is somewhat different.  It’s not easy trying to be both a full time stay-at-home parent and a breadwinner for your family at the same time. You may wonder if you should pay for childcare even though you work from home. Family Dynamics Whether or not you can or should work from home and take care of your children simultaneously depends partly on your unique family dynamics. For example, how many children do you have and what are their ages? If you have only one child who is still very small, you might get along just fine working from home around your little one’s schedule of naps and meals. However, if you have ...

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How to Protect Your Money When You Travel

How to Protect Your Money When You Travel

All too often we hear news reports about people who have been targeted by thieves while traveling. Some may have only had a camera or a watch stolen. Other unfortunate souls, however, lost much more. But are there way to protect your money when you travel so you don’t become the victim of a thief? Here are a few things I’m going to try to do to protect my money when I go on a trip next week. Leave it at Home One of the best ways to protect yourself and your valuables while traveling is to leave those items at home. Being away from home already puts you in a vulnerable position. For one thing, you most likely don’t know the area as well as your home town or city which makes it harder to navigate. In addition, you could end up in situations you wouldn’t normally be in, such as walking a dark street at night. Leave expensive jewelry and clothing at home. Don’t take a large amount of cash with you during your travels. Prepare Make advance copies of your birth certificate, passport, and other important documents. Put some of your money in your wallet and some ...

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5 Tip to Negotiate a Lower Credit Card Interest Rate

5 Tip to Negotiate a Lower Credit Card Interest Rate

Do you use credit cards? Personally, I try to avoid using them most of the time. I’ve found that it’s far too easy to pull it out and pay for everything. Plus, I’m somehow always end up spending more than I planned. But if you are like most people, including me, you do use one at least occasionally. Of course, if you use it often, it eventually catches up with you when the bill comes in the mail. If you aren’t able to pay it off in full each month, you may end up with high interest charges to pay each month on top of the cost of your purchases. But negotiating a lower credit card interest rate can help you get your purchases paid off without wasting as much money on interest. Here are some tips to help you negotiate a lower credit card interest rate. 1. Don’t Switch Cards Although it may be tempting to try to get a credit card from a different company and transfer the balance, it may not work to your advantage. Each time you apply to get a new credit card, the issuing credit card company does a hard inquiry to your credit ...

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