Skip to main content

Financial Planning for the New Year

Hi y'all,

Since it's the beginning of the year, it's time to get finances in order! I have been really thinking about my financial goals. They have changed slightly, and that's okay!
Now, please keep in mind, I am no financial expert by any means.

My LONG long term goal is to buy a house. This was my original goal for this year; however, with interest rates only becoming higher, now is not the best time. However, I can keep saving my money and working toward this goal because the interest rates won't stay this high (or even higher) for long.  In fact, if you look at patterns, major election years (typically Presidential elections, the interest rates drop because of uncertainty in the market).

My shorter long term goal is to get a puppy, an apartment, and pay for my master's degree. I am so proud to say that I have yet to take a loan out for school and I would love to keep that going! I currently do live at home while I save some money (I put all my money into school while I was working on my teaching license). However, I put aside a little from each paycheck to be able to afford an apartment in the near future. This is the same for the puppy. If you know me, I've been talking about a puppy since before I graduated college. This is THE goal of the year (besides getting admitted to grad school-fingers crossed). However, unlike with grad school, I completely control getting a puppy.

How am I accomplishing these goals?

First, I semi-dumped the brick and mortar bank. I still have a savings account and credit cards with one; but I basically use it for transactions that I need to do over the counter, like depositing cash. I also deposit any checks using mobile banking through this bank so that I am only making one transfer to my online bank. An online bank offers higher interest rates because they are not funding buildings and staff like a brick and mortar bank. My brother switched to it first, and I did while I was student teaching. Now, I'm so thankful! I earn so much in interest every month which is such a nice bonus. I also opened a credit card and checking account with my online bank.

Paying attention to where my money goes. This is by far one of the hardest things for me. Especially since I use a credit card for 99% of my purchases. However, I have recently started using the "wait a few days" rule. If you're still thinking about the item 48 hours later (or 2 days), pull the trigger.

Use Ebates, Swagbucks, Ibotta, etc. for extra savings. I love using Ebates and Swagbucks. I find Ibotta is harder for me to use because I don't always buy the items that they are offering deals on. However, Ebates and Swagbucks are hands down two of my favorite things on the internet. I get savings by doing simple things. Swagbucks by taking surveys and watching videos. I can also earn by shopping, but I always choose the higher percentage cash back between Swagbucks and Ebates.
The one downfall to Ebates is that they only pay quarterly (but it does mean you get more in a chunk).

I don't do invenstments through apps; however,  I do own stock and have a 401 K hybrid plan through my school system.

Financially planning/budgeting is also key. I have to budget, and right now the largest part of my budget every month is gas (I typically have to fill up once a week).

How are you financially planning for 2019?



Popular posts from this blog

Nine Potential New Member Sorority Recruitment Tips

Hi y'all!

August is quickly approaching, which for many means its back to school time. For college students elsewhere, it also means recruitment season is here!

My school did a spring recruitment (aka January); however, many schools, especially in the south, do recruitment in August and September.

If you're going through recruitment, congratulations!

I went through recruitment in two different ways (both formal and the colonization process) and then on the sister side! I went through part of recruitment my freshman year spring, got sick and couldn't finish. However, it worked out for the best because I got to join Alpha Delta Pi through the colonization process in September of my sophomore year.

Here are a few things to keep in mind.

1. Each house is different at every school. Did you hear about sorority XYZ at ABC University? Get that stereotype right out of your head. Every single house is different because different girls make up the chapter. I have friends that would t…

101 in 1001 Update

Hi y’all, But here’s an updated 101 in 1001 for you… Start: January 1, 2017 End: September 29, 2019 Professional: Finish my teaching program November 2017Student Teach August-November 2017Get my teaching license December 2017Get a teaching job/contract July 2018Pass my tests to become a teacher January 2017Attend a professional conferenceStart my master’s degreeLearn CPR 5.5.17Set up a virtual file for Word Study August 2017Copy some math handouts November 2017Update my resume November 2017Keep a journal during practicums  March-April 2017Keep a journal during student teaching August-November 2017Organize my own classroomGoogle Educator Certification Personal: Save $5000Get a puppyRead 32 books (1 for each month)-total complete: 30Take a trip November 2017Attend my sorority’s 5th year anniversary celebration November 2017Unplug from technology for 24 hoursWorkout every day for 30 daysGo back to London/UKMove into my own apartmentSell some of my old Lilly clothes/clothes I don’t wearBuy…



Well, I'm finally doing it: committing to blogging. Again. I'm super excited to be jumping back into the blogging world after a hiatus. I attempted to blog under some other names, but nothing felt right. So, I figured my own name would be the best way to keep a blog that I loved. 

I'm Lindsey. I'm a 20-something elementary school teacher with a passion for sharing things about life. I originally started blogging back at the end of my senior year of high school, and continued through college. Post grad life made it hard to balance everything (mainly because I was working full time and going to school again). However, I know that I'm going to need this blog.
As of right now, I have accepted my first full time "big girl job" in the field I'm passionate about. I'm teaching 5th grade this year, and I'm so excited! Along with my first teaching job, I'm also going to be working in retail part time and I'm taking one grad class. 

I'm stil…