Beginner’s Guide to: Budgeting and Finances

Beginner’s Guide to: Budgeting and Finances

Welcome back to another beginner’s guide! This week we’re talking all about budgeting and finances-a topic that can be overwhelming and complicated to deal with. I’ve laid out a few steps below that can help anyone set up an easy, maintainable budget!

Step 1: Write out all of your expenses for a monthly basis

I like to look at my budget on a monthly basis, that way I don’t get too overwhelmed. I like to break my expenses down into essentials, subscriptions, and personal expenses. Essentials I consider to be non negotiables that I have to spend every month. This can vary for everyone, but for me it includes rent, utilities, cable & wifi, groceries, and gas.

Next, I make a list of all the subscriptions that I have to pay every month. This could include things like Hulu, Netflix, Spotify or even a gym membership. These are not necessarily essentials, but are still reoccurring expenses every month that you are responsible for.

Lastly, there’s the personal expenses category, and this can include any extraneous expenses you may have. For me it mostly consists of my dining out budget, and whatever else I may want to buy that month that would not be considered a necessity.

Once you figure out these three categories, it gives you a better idea of how much your spending every month.

☆Step 2: Figure out a rough estimate of your monthly income

For some people like myself, you pretty much have a fixed income every month that doesn’t change. This makes it easy to calculate a budget because you always know how much is coming in. If you’re self employed, or get paid hourly, you may not have a set amount you make every month, but try to come up with a rough estimate, even if you keep it on the lower end.

Step 3: Decide what amount you want to save every month

The general rule of advice is to save about 20%-30% of your income. Depending on how much you can afford to save, I’d obviously recommend saving as much as you can, especially if you’re saving up for a big purchase. (More to come on How to Save post coming soon)

Come to a reasonable limit on your spending

Now that you have a clearer picture of what your financial situation is, you can set a reasonable budget that you think you can maintain. Budgets are meant to be changed and you should feel like you have to keep it the same for every month-some months your expenses may fluctuate, and your income may as well. Try to keep an open mind with it, and know that you can always adjust! However, don’t use that as a reason to continuously over spend-there’s a reason you have a budget after all.

I hope these tips can help any of you who may be struggling to set a budget or find a maintainable one!

Xo.

Summer Recipe: Pizza Squash and Roasted Vegetables

Summer Recipe: Pizza Squash and Roasted Vegetables

Welcome back! If you’re looking for something new to try for summer, check out my recipe below on pizza squash and vegetables!

Ingredients:

  • Squash
  • Tomato sauce of choice
  • Mozzarella cheese
  • Vegetables
  • Olive oil

☆ Pre-heat oven to 425 degrees.

☆ Cut squash in half and take out seeds

☆ Place squash on baking sheet

☆ Add 1/4 cup of your preferred tomato/pizza sauce onto each side of the squash

☆ Add 3 oz of mozzarella cheese to the squash

☆ Drizzle olive oil, salt and pepper on top

☆ Cut and dice choice of vegetable (I used brussel sprouts, carrots, and green peppers), season with cuban seasoning and olive oil.

☆ Cook for 25 minutes

Enjoy!

Vegetable Slaw & Egg Toast

Vegetable Slaw & Egg Toast

Hi everyone! Today I’m sharing with you one of my favorite breakfast recipes. Super quick and simple, it’s filling and delicious! Check out the recipe below:

Ingredients:

  • Bread of choice (I usually use whole grain or whole wheat)
  • 2-3 eggs (depending on how much you want)
  • Slaw of choice (I usually use a broccoli or mixed slaw)
  • 1/4 of a yellow onion
  • 1/2 of a bell pepper

Step 1: Saute the onions, slaw mixture, and red pepper in a frying pan until the onions are translucent. Season to your preference. When done, set aside. While doing this, put bread in the toaster.

Step 2: Scramble eggs in a bowl and add the eggs to pan, and cook.

Step 3: Cut toast in half, spread slaw mixture over bread and then add eggs

And that’s it! Super simple and easy to make, nothing complicated.

I hope you guys liked this recipe, and let me know if you want to see more like this!

xo.

Travel Diaries: Myrtle Beach, South Carolina

Myrtle Beach is easily one of the most popular vacation spots in the United States, and for good reason! Beautiful beaches, tons of activities for every age, it’s hard to get bored when you’re there. I’ve been to Myrtle Beach more than a dozen or so times, with it being my family’s go to vacation spot every summer, twice a summer, since I was 6. I have the most amazing memories there, and every time I go back as an adult I’m reminded of all the beautiful times I’ve had with my family.

Check out below for a list of my favorite places in Myrtle Beach to check out!

Broadway at the Beach– this place is awesome. It’s basically an outdoor mall, but so much better than a regular mall. There’s a bunch of stores, a lake, restaurants, a mini golf course, an aquarium, Margaritaville and a movie theater! This was one of my all time favorite places as a kid, and one of the biggest attractions in MB.

Market Commons– This is almost like a smaller version of Broadway at the Beach. It’s a cute, quiet little town with lots of shopping options. They also have a movie theater, as well tons of cool restaurants no matter what you’re in the mood for. It’s a nice alternative when you don’t want to large crowds of going to Broadway at the Beach, but still want a good variety.

Murrell’s Inlet– if you want seafood, and I mean really good seafood, you have to go to Murrell’s Inlet. It’s directly south of MB and not a far drive at all. They have so many restaurants to choose from, but if you decide to go definitely make a reservation because it can get pretty busy during peak seasons. I highly recommend Russel’s Seafood Grill, they have the best food and a cozy feel.

Damon’s Oceanfront Grill– When I was a kid this was my favorite restaurant to go to, mostly because it was right next to our hotel and it was nice to be able to walk over. But besides the proximity, the view is to die for (it’s right on the beach) and they have great food. They’re known for their ribs, and every time I go I can’t resist getting them.

Me circa 2005, on the Pier by our hotel. You can actually see Damon’s in the background on the right next to the three hotel towers!

I hope you guys liked this latest travel diary post! See you next time, as always, keep it klassy, xo.

Travel Makeup Tips

When it comes packing makeup for a trip, it can easily become an overwhelming where you end up over packing products that you won’t actually use. When it comes down to it, if you’re going on a beach vacation for example, you may not need three eyeshadow palettes and 4 different eyeliners, so check out my tips below to minimize and streamline your travel makeup!

Prioritize your favorites/essentials

No matter your destination, it’s important to prioritize the products you know you cannot live without. For me, I cannot go anywhere without packing eyebrow gel, because I feel like even on my most natural days, it really pulls my look together. For some of you, it may be mascara, or lipstick. Whatever it may be, figure out what your can’t live without products and focus on packing just those.

Avoid Breakable Products

If you’re traveling by car, you shouldn’t have to worry about products breaking, but if you’re traveling by plane or any type of transportation where someone else is handling your luggage, you may want to be more aware of the types of packaging your products come in. You may not want to pack a super soft, delicate eye shadow palette, only to have it shattered upon your arrival. Pack products that you know are durable and can stand up to rigorous travel.

Find Multi-use Products

If you’re limited on space, you probably don’t want to have to bring a product for every step in your makeup routine, but don’t want to skimp on them either. My tip for this would be to find products that you can use for multiple things. For example, bronzer and highlighter can be used as eyeshadow, cream blush can be used as lipstick, and dark eyeshadow can be used as eyeliner. Get creative! There are always tons of ways you can use products for multiple different things.

My go-to travel makeup for a beach vacation:

With summer approaching fast, here’s a list of my travel makeup essentials for a beach vacation!

  • A cream highlighter-this can be used on the face and on the body for an all over glow.
  • Mascara- nothing too crazy, just something natural.
  • Eyebrow gel- I cannot live without this, it makes any natural face look even better
  • Lightweight concealer- I don’t want anything heavy, but I may still want to cover up some unevenness, so I like to have some kind of concealer.
  • Lip balm/tinted lip balm- since I’ll probably be spending all day in the, I don’t want a super intense lip stick, so I tend to stick to a lip balm or tinted lip balm if I want a little bit of color

And that’s it! I hope these tips/recommendations can help any of you out there! Xo.

Beginner’s Guide To: Packing Light

Beginner’s Guide To: Packing Light

Hello everyone! Welcome back to another beginner’s guide, this week all about packing light. Whether you’re going away for a quick weekend trip, or can only pack in a carry on for a week away, these tips will help you save space and time!

☆ Packing Cubes

You may have seen or heard of these before, but they’re great for packing a lot into a small space. Some can get a bit pricey, but amazon has extremely affordable ones in lots of different colors, so there’s one for everyone!

☆ Prioritize

When you’re deciding what to pack, make sure you pack things you actually need and are going to use. If you’re really trying to conserve space, you need to realistic about what you need on the trip, and how many options you really need to have.

☆ Pack items that are versatile

If you pack items that can work for various situations or events, you’ll really get the most out of what you pack. You may want to pack something specific for a particular event, but otherwise try to pack basics that could work in a bunch of different weather situations, or different outings you may be going on.

☆ Travel Sized Products

When trying to save space, narrow down which products are your essentials and try to get them in a travel size, or transfer to a reusable travel sized bottle or container. It’ll save you tons of room and plus if you’re not checking a bag, your products need to be under 3 ounces anyway.

☆ Plan out outfits

It’s easy to just throw a bunch of clothes into your suit case and tell yourself that you’ll figure out your outfits when you get to your destination. Save yourself the stress of not knowing what to wear and plan out the outfits you’re going to need. If you don’t know exactly what your itinerary is, try to plan outfits that will work for a variety of outings you may be doing.

I hope these tips can help any of you guys who are trying to pack a little lighter for your next trip! Stay tuned for more travel posts coming this week! xo.