4 Reasons Why You Need an Emergency Fund (Even if You Have Debt)

4 Reasons Why You Need an Emergency Fund (Even if You Have Debt)

This post may contain affiliate links, which means I may receive compensation if you make a purchase using this link. Did you know that 62% of Americans can’t pay for unexpected expenses? Think of all the times a surprise expense came up in your life. Maybe you had a medical bill, car repair, lost your job, or some other emergency expense that came up. How would you pay for it? Just this weekend, I took my car to the shop – $650 in repairs. No, I didn’t panic. I paid…

What to Do When You’re Broke, Indebted, and Scared

What to Do When You’re Broke, Indebted, and Scared

Have you ever looked at your finances and actually become terrified? Wondering how you’re going to pay your next bill? Not sure how you can pay off bills and debt? You are not alone. Y’all, this post is a little heavy, but after talking to a good friendly recently, I really wanted to write about it because I know she is not alone in her situation. My friend admitted that she was flat out broke and in major debt with credit cards and student loans. She wasn’t able to pay…

How Did I Do on my July Goals? Plus, New Goals for August

How Did I Do on my July Goals? Plus, New Goals for August

I can’t believe it is already AUGUST! Seriously, this year has flown by. But it’s been an awesome year for me in so many ways. Like I do every month, I am here to recap my monthly goals and share my goals for the next month. Why do I do this? I preach about goal setting, and life and blogging are impossible if I don’t have goals. You guys hold me accountable. Sharing your goals in such a public way really pushes you to attain them! How did I do…

8 Thrifty Household Tips You Should Start Using Now

8 Thrifty Household Tips You Should Start Using Now

This is a contribution written by Stacy B. Miller. Wondering why your household living expenses are rising in spite of your best efforts? Well, that’s perhaps because you’re not using some basic frugal budgeting tips in your home. How many times have you cleaned your kitchen countertops with baking soda? How many times have you cleaned your microwave with lemons and vinegar? Once, twice or never? There is a great probability that you know these tips, still you bought liquid detergent from the store and wasted money. Frankly speaking, frugality and…

How to Quit your Job Without Another Lined Up

How to Quit your Job Without Another Lined Up

Are you desperately wanting to quit your job, but you don’t have another one lined up? Maybe you’re working for a corrupt company and need out now. Or perhaps your job is requiring you to work so many hours that you simply don’t have time to search for another one? I’ve quit a job without another one lined up. I’ve been in your situation, and trust me, I know the emotions that you’re going through. Likely, you ask for advice from family and friends and you keep hearing the same…

9 Ways to Stay Healthy While Sitting All Day

9 Ways to Stay Healthy While Sitting All Day

While having an office job has its pros, chances are that you sit at a desk almost all day. Sitting for that many hours a day has many serious health consequences like: Back and neck pain from improper posture. Organ damage from a slower metabolism. Weight gain because you burn less fat while sitting. Damage to eye sight from staring at a computer all day. When I started working my first office job after working several manual labor jobs, I thought I had it made. A cushy chair, an office,…

50 Ideas to Save Money

50 Ideas to Save Money

Are you stuck in a rut with budgeting? Need to make some wiggle room, but not sure how? Sometimes you just need to get a little creative. Here are 50 ways to save money. 1. Cancel subscription box services. Boxes like Ipsy and Birchbox are fun, but they are not sending you products that you actually need. Cancel them and buy products on your own to save money. 2. Make your own cleaning supplies. Did you know you can make your own eco-friendly cleaning supplies for pennies? Here are some…

How I Paid Off $5,000 of Debt in One Year on an Entry-Level Salary

How I Paid Off $5,000 of Debt in One Year on an Entry-Level Salary

Personal finance for millennials is all about finding the right balance. Paying off student loans, saving for retirement, buying health insurance, and generally just living on your own with likely a small salary is challenging. Where do we begin? One of the reasons I started The Latte Budget was because I was slightly frustrated with the extreme stories out there. Sure, they read well. “How I paid of $30,000 of debt in 6 months,” is a story I would want to read. And I do, and it’s awesome. But being…

7 Things You Can Do Today to Make Tomorrow Better

7 Things You Can Do Today to Make Tomorrow Better

I’ll let you in on a secret: organization is one of the biggest keys to success. Time is limited, and organization allows us to optimize our time to meet our goals. Whether you want to get out of debt, save money, or learn a new skill, it all takes time. Since I’ve started my blog as my side hustle, my time has become extremely valuable to me. The only way to balance a full-time job, blogging, freelance writing, planning a wedding and spending time with friends, family, and my fur…

How I Made my First Dollar from Blogging

How I Made my First Dollar from Blogging

The blogging scene has kind of exploded lately. And for good reason. A wealth of information is available through blogs. What I love most about blogging is that the information available has so much less media influence than the news and it’s a free way of learning, unlike taking classes. Though bloggers are rarely accredited experts, I love that I can learn from their experience, not just their knowledge. Personally, I have pretty much always had a blog. I traveled a ton during college, and spent many summers and semesters…