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Showing posts from February, 2017

30 Day Financial Cleanse Day 10: Cut Down on Discretionary Spending

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As a reminder this post series is all about getting a handle on your finances! I heard about Personal Capital, a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!

If dining out eats a large portion of your budget, set a weekly limit and stick to it. 

Once you know where your money is going (see Day 5) it is easy to see where you can consider cutting back. Have a gym membership you never use? Eat out a lot? Enjoy shopping to fill the time? Take a look and see what you might be willing to change in order to meet your financial goals. This does not mean you can't do enjoy some of the things you spend money on, but maybe scale back. Set a financial budget and stick to it.

30 Day Financial Cleanse Day 9: Devise a Plan

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As a reminder this post series is all about getting a handle on your finances! I heard about Personal Capital, a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!

Create your plan. Focus on 1) Paying off high interest debt first 2) Setting up an emergency fund 3) Saving 20% of every paycheck.

Always focus on paying off debt first. If you are in a lot of debt, devise a plan to get that paid off quick, so you can avoid paying less overall. A mortgage is a reasonable debt to pay down over time (in most cases) but nearly everything else has such awful interest rates that ideally they are not worth having. I am currently paying down our car loans as quickly as possible and then going to tackle my student loans. My car loans actually have decent interested rates (both are below 4%) but I am much closer to paying them off, so I am focusing on the short term gain of being able to have less accounts I am working on…

30 Day Financial Cleanse Day 8: See How You Stack Up

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As a reminder this post series is all about getting a handle on your finances! I heard about Personal Capital, a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!

Subtract your monthly spending from your monthly income. Add that total to any retirement (a 401k) so you can see how much you can save. 

Today is a quick math equation to help you see how much money you could be saving each money! If you know where your money is going and you stick to your plan, you will quickly see how much money you could be saving, rather than spending it thoughtlessly. Take a few minutes to see how much you can save!

30 Day Financial Cleanse: Day 7 Calculate Savings

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As a reminder this post series is all about getting a handle on your finances! I heard about Personal Capital, a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!



Subtract your monthly spending from your monthly income. Add that total to any retirement plan contributions (401K) so you can see how much you can save. 

This is step should only take a couple of minutes. You are really just identifying the potential you have to save. I find that if I have extra money that I did not plan for, I tend to spend it rather than save it. So find out what potential you have for savings or paying off debt. In the next few days and weeks we will discuss where you might be able to put that extra dough each month!

Stay tuned for Day 8: See How You Stack Up! 

30 Day Financial Cleanse Day 6: Prioritize Your Spending!

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As a reminder this post series is all about getting a handle on your finances! I heard about Personal Capital, a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!



Rank all of your discretionary items from most to least important-if you'd rather dine out than shop for clothes your ranking should reflect this. 

Day 6 is all about figuring out what is most important to you (and your partner and family). Spending money is highly personal. We all value different things in life and where we choose to spend our money says a great deal about us. You vote with your dollar so it is important to consider where you where and on what you want to spend it on. Tyler and I have realized that dining out and clothes are super, duper low on the priority list. We enjoy cooking more than eating out. We also enjoy gardening and happy and healthy animals. Our finances reflect that. Tyler loves working in his shop. I love wor…

30 Day Financial Cleanse Day 5: Know How Much You Spend

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As a reminder this post series is all about getting a handle on your finances! I heard about Personal Capital, a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!

Automatically bucket expenses into categories (e.g. insurance, debt payments, rent/mortgage, groceries, or discretionary spending like clothing of dining out). 

If you did Day 3, once you have yourself set up, this makes things a lot easier to see at a glance where your money is going. I already did a post on how Tyler and I organize our spending, which you can read here.  We use Google sheets, which is not automatic so I manually put everything in every week. This works well for us because I have a system down and I enjoy analyzing everything. I highly recommend using some sort of system to see where you are spending your money. It can be VERY eye-opening if you have not done this before. 

Stay tuned for Day 6: Prioritize Your Spending! 

30 Day Financial Cleanse: Day 4 Know How Much You Make

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As a reminder this post series is all about getting a handle on your finances! I heard about Personal Capital, a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!


Check your pay stub and see how much you actually take home after taxes, health insurance, etc

This one may seem like a no brainer. Know how much you make! And if you have a partner, know their income as well. I for one have a lot of money coming out of my check. I participate in my company's 403b (which is a 401K for non-profit organizations), health insurance, and flex spending. It was really important for me to know what was coming out of my paycheck. Now for me, I do not work on commission or have any reason for my paycheck to fluctuate. For those that do, I imagine this step is even more crucial. Also, another note about my goals for my paycheck: since I know exactly what we need "take home" to meet our financial goals, any r…

30 Day Financial Cleanse: Day 3 Use an Aggregator!

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As a reminder this post series is all about getting a handle on your finances! I heard about Personal Capital, a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!




Today is focused around using a tool to make your life simpler! Personal Capital offers a tool that you can use online or on your phone to track your overall spending. Mint.com is another option as well, and I am sure there are others. If you do not know where your money is going, this is the tool for you. It is really hard to see where you can skinny things up or (gasp!) had an erroneous transaction come through your account if you are not keeping track. This will include needing to have your bank accounts handy so make sure you did day 1! 

Stay tuned for Day 4: Know How Much You Make! 

30 Day Financial Cleanse Pledge: Day 2 Identify Your Financial Goals

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As a reminder this post series is all about getting a handle on your finances! I heard about Personal Capital,a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!





Day 2: Identify Your Financial GoalsMake your goals timebound and concrete. "I want to pay down all credit card debt within 4 months" or "I want to retire at 50 with $2M saved to travel." 

I find this is one of the most important steps you can take towards addressing your financial goals and dreams (yes, dreams!). Without knowing what you are working towards, it makes it really hard to say no to impulse purchases. Before Tyler and I sat down together and wrote out our financial goals, we really did not know where we wanted to be in the next 5, 10, 15+ years. We found ourselves purchasing things unnecessarily and then having to use credit cards because we were buying things we couldn't afford (and let's face it, things w…

30 Day Financial Cleanse Pledge! Day 1 Track Down Your Money

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Happy Sunday all! For those of you local to me (Hey fellow Idahoan!), I hope you are staying dry out there! Rain bums me out quite a bit (I think even worse than snow). Something about the gray skies makes me feel like going back to bed and the moisture does not do my Raynaud's or my arthritis any favors! BUT I laced up my shoes and took each pup (if I haven't mentioned it, I cannot walk them both at the same time! 135 lbs of dog(s) is a bit too much for me to handle at once!) out for a mile run/walk while the sun was shining, just narrowly missing the rain, so I am pretty pumped about that! 

Now to the point of today's post. I had quite a few readers mention they really enjoy the posts I wrote about managing finances. Then I heard about Personal Capital, a personal finance software company, and their 30 Day Cleanse and decided to take the pledge and encourage my readers to do the same!

The idea is to take a few minutes each day and complete the item listed for that day. By …

Blog Update & Challenge #4 & #5

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Happy Monday! I hope you all had a nice start to your week. I know I did as the sun was shining and I got to take the pup to the dog park and watch him run around. I love his smiling face!


This is an older picture of him with his pal, Baron (Winston is on the left). Look at that face! 
I have some exciting news to share on the blog! As of yesterday, the blog is officially its own domain! Simplewholehappy.com is now where you can find me so I hope it is easy for any and all to access the blog. I am also on Youtube under "Simple Whole Happy" so subscribe and stay tuned for some videos! I started making a list of all I want to share with you and I am looking forward to putting those out there. I am happy to take requests and answer questions related to any of the topics you have seen on the blog, so please let me know! 
As you may remember, in 2017 I am going to do 17 challenges. I have already done 3 of them. The first was tracking in myfitnesspal daily- I did it for 21 days. I s…