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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.

5 Hidden Costs of Adopting a Pet

adopting a pet

Lots of studies have been done proving the health and social benefits of adopting a pet. I have pets myself, and based on my own experience of rescuing pets over the years, it has been rewarding and life enhancing, and I wouldn’t trade my pets for anything, even when they annoy me. 🙂 However, if you too are shopping for a pet to adopt, don’t forget to look past the cuteness and keep in mind the costs of pet ownership. Pets cost more than just their up-front adoption fees. There are also several hidden costs of adopting a pet. Here are 5 hidden costs of adopting a pet that you should keep in mind before you sign on the dotted line. A Pet Gate Not everyone needs a pet gate, but if you have an area of the house where your new pet is not allowed, a pet gate is essential. For instance, I have a basement and my pets are not allowed to be downstairs unless I am with them. This forced me to purchase and install a pet gate at the top of my stairs as a safety precaution. There are a wide variety of pet gates available for ...

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Saving on Household Chores: Washing Dishes

washing dishes

Washing dishes is not something I particularly enjoy doing. Actually, it’s probably my least favorite household chore. Unfortunately though, I like to eat and my family likes to eat, which means I do have to cook at least occasionally. 🙂 Plus cooking and eating at home is much healthier and cheaper than eating out. Of course, cooking means I will have dishes to wash because I don’t happen to be blessed with enough money to hire someone to do them for me. Yes – I have actually thoughts about doing this. 🙂 Granted, it doesn’t cost a lot to wash your dishes no matter what method you use, but if you are trying to be more frugal, you look for ways to cut expenses where ever you can. So when I was washing dishes the other day, I thought of some ways you can save money on this household chore. Scrape Your Dishes A lot of people already scrape their dishes to make it easier to wash them, but my suggestion is to scrape your dishes over the trash can instead of the disposal, and to do so before the food gets dried on. Better yet, you can turn some ...

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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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