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meet Melanie
I’m Mel — a former CPA and a stay-at-home mom who paid off over $20,000 of debt while learning how to live confidently on one income.
Not through complicated spreadsheets.
Not through restriction.
But through a simple, repeatable system that brings clarity to every month.
Its time you took the stress and confusion
out of your finances.
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BLOGS THAT WILL CHANGE YOUR LIFE
It’s time you took the stress and confusion out of personal finances. Join more than 10k subscribers and explore exclusive weekly content including money tips, meal planning hacks, retirement planning advice, debt payoff strategies & more!
setting up a budget
These budget notebook ideas will inspire your creativity and help you organize and reach your financial goals! Here's what you need in your budget binder to take control of your personal finances.
Organize your personal finances by utilizing a budget calendar- lay out your paychecks, bills, social events, etc., so you know exactly what you need to budget for in the month ahead!
The ultimate guide to creating a successful family budget. If you're sick of financial stress and feeling squeezed at the end of every month, start budget planning and taking control of your personal finances.
Step by step guide to creating a zero based budget worksheet that will help you track your income, fixed and variable expenses, savings goals, and debt tracking on a monthly basis.
getting out of debt
Whether you have credit card debt, student loans, a car loan, or mortgage debt, use these debt free coloring pages as your debt payoff tracker; keeping you focused and motivated to become debt free!
It's no secret that in order to pay off debt you have to work hard and stay motivated. One of the best ways to stay motivated on your debt free journey is to hear from others who have walked the journey!
Becoming debt free is no easy task, and one of the best ways to stay motivated is to hear about others' success!
To kick off my debt-free series on the blog, I have an amazing mama sharing her debt-free story! I'm so excited to start this series because hearing from others has an amazing way of making you feel like you're not in this alone!
investing 101
Roth IRA's are a great investment vehicle that boast many benefits, but if you're ineligible to contribute to one you might feel stuck. The backdoor Roth conversion option allows you to essentially convert your Traditional IRA funds to a Roth and enjoy all the tax benefits! Here's how to do it and who needs to consider it!
According to a survey by Nationwide , the average age American workers start to begin saving for retirement is 31 years old. The issue is most Americans don't realize how much of a difference time (starting earlier) makes in investing.
These smart money goals will help you reset your spending habits so you save money and achieve financial freedom, not matter your income.
At the end of the year, we start to think about our habits, including our money management habits. If you're reading this and thinking next year you need to start doing things better, I'd challenge you to keep reading and start today .
latest posts
These budget notebook ideas will inspire your creativity and help you organize and reach your financial goals! Here's what you need in your budget binder to take control of your personal finances.
Organize your personal finances by utilizing a budget calendar- lay out your paychecks, bills, social events, etc., so you know exactly what you need to budget for in the month ahead!
Whether you have credit card debt, student loans, a car loan, or mortgage debt, use these debt free coloring pages as your debt payoff tracker; keeping you focused and motivated to become debt free!
The ultimate guide to creating a successful family budget. If you're sick of financial stress and feeling squeezed at the end of every month, start budget planning and taking control of your personal finances.
Get my free financial goals worksheet to set and effortlessly track all your savings goals! Financial goals examples including short-term goals and long-term goals to create a well-rounded financial plan that works for you!
Step by step guide to creating a zero based budget worksheet that will help you track your income, fixed and variable expenses, savings goals, and debt tracking on a monthly basis.
Where do high-yield savings accounts fit into the financial plan for the productive Christian household? Are these types of savings accounts a wise investment for leaving an inheritance for our children’s children and stewarding the resources allotted to us? What are the potential risks associated with these accounts, if any? How can these accounts be utilized to meet your family finance goals? Are they only for the wealthy with tons of excess cash?
One of the best money saving strategies is to complete a savings challenge. Try the penny challenge, envelope challenge, 10k savings challenge, or any of the other money challenges outlined in this post to save money quickly!
budgeting tools
FREEBIES MADE FOR YOU
PAYCHECK BUDGET FREEBIE
Get instant access to my free paycheck budget template that will help you layout a detailed plan for your finances!
GOOGLE SHEETS TEMPLATE SIGN-UP
This is the exact budget template we use to create our monthly budget every month in just 15 minutes. This template gives you the freedom to spend your money guilt-free, with purpose!
CASH ENVELOPES FREEBIE
Get instant access to my free printable cash envelope blueprint that will help you curb your spending habits and save more money every month!
