Why Building an Emergency Fund While Paying Off Debt is So Important

As many of you who have read my other articles on money know, I am trying to pay off my student loans which right now are still at about $55,000.  I don’t make a lot of money as a nanny, … Continue reading

Alternative Valentine’s Day Ideas

I have conflicted feelings about Valentine’s Day.  Any day that is about spreading more love and remembering to tell people how much we love them is good in my book.  What I hate is the pressure it puts on people … Continue reading

Things I Love! – Yoobi Highlighters

header highlighters

It should be no surprise that I love stationary and office supplies.  I love color coding and organizing my life in my planner.  I just got my new passion planner a few weeks ago and I love it, but I have struggled to find the right balance of colored pens/pencils/gel pens/markers/highlighters.  Markers bleed through, colored pens and pencils don’t stand out and have the blocking ability I’m looking for, and highlighters just never seem to have enough color variety for me.

Friday at Target I found the perfect thing!  If you haven’t seen the Yoobi section at target before, its a line of office/school supplies that looks like its probably direct towards high school students.  They have brightly colored supplies that look fun and functional and the best part is that for every supply you buy, they donate and equal amount/item to a classroom in need in the US.

I browsed quickly not expecting to really find what I was looking for because I didn’t find it even in the larger pens/highlighters/gel pens section.  But there it was……

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These highlighters are first of all super cute and I love the color selection.  At less than $5 for the set I was tempted to buy two! (I saw online that Sharpie had a 10 pack of different colored highlighters and it was $14!)  I got home and put them to work right away.  They have a great small chiseled tip so they are perfect for small planner lines but also give me the ability to block out a larger section easily.

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One of the greatest parts of these highlighters though is that there is absolutely ZERO bleed through!

Blue Yoobi Highlighter Test

Blue Yoobi Highlighter Test

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No Blue bleed through!

So head over to Target and pick them up!  They are great and you’ll be doing a little bit of good for a school in need!

52 Week Savings Challenge

Sorry this post is a little late.  With a bit of effort I promise it won’t be difficult to catch up!52 week headerMost of you have probably heard of the 52 Week Savings Challenge.  Basically you put money in a jar or savings account in an amount that corresponds with the week of the year.  For example week one you put in $1, week two you put in $2 and at the end of the year you’re putting in around $50 a week till week 51 which is $52.  Super simple concept and at the end you have $1,378.  Not a ton of money, but if you are struggling to get together an emergency fund or want a little cushion your budget so you can start living on last month’s income (YNAB Rule #4), this can give you the push you need to get there.

It also helps a person like me who needs more than just typical motivation of “I am saving money this is good.”  That does feel good, but what helps me out in the tougher months is feeling like I am gaming the system.  Instead of feeling poor and destitute I try my best to win the game.

I also do the 52 week challenge a little bit differently.  I tried a few years ago and started off great but come the end of the year when I needed a big car insurance payment or Christmas presents were due, I broke down and went into the cash.  So now I do it backwards.  In January right after Christmas and my birthday, when resolutions are in full swing and my commitment level is high I put in the $52 and commit to putting in at least $1 less a week.  I also get paid Bi-weekly so I am really paying every other week and the payment feels bigger.  As always I made my self a way to see my progress without looking at all that money and getting tempted.

1 Year Challenge Bi-Weekly Odd

On top of that little switch, I also try my hardest to game the system.  I  don’t settle on putting in only the minimum amount, as the weeks go by I try to match what I put in the week before.  Some weeks I do and some I don’t but my goal is always to put in enough that I have more than the minimum goal.

This is what my worksheet looks like so far this year….IMG_4681

You can see I feel a little behind on week 3.  Thinks were tight and I didn’t worry about it too much because I knew I would make it up.  I did make sure I highlighted it in a dark pink instead of my happy money green!

To download the printable if you got paid the week of January 1st Click Here

To download if you got paid the second week of January Click Here