Digital Planning

Digital planning is a new hobby (and obsession). I’ve been fielding a lot of questions about this new benture, so why not compile an FAQ page.

I learned about digital planning and was inspired by @digitallyplanning on Instagram. There is a learning curve. If you want to learn more, I suggest watching all the free Instagram and YouTube videos with the tag #digitalplanning.

What iPad do you use? Apple iPad Pro 12.9, but you can use whatever iPad. I also have a @paperlike screen protector.

What stylus? Apple Pencil (2nd gen)

What app do I need to use for my digital planning? GoodNotes App  ($7.99)

Which digital planner do you use? Pixel Planner 3.0 from Holly Pixels (used within the GoodNotes App)

Why did you change from paper (Erin Condren planners)? In the long run, digital planning is less cost and stuff. I’m a wannabe minimalist and having all the pens, stickers, physical planners wasn’t my style anymore. I’m a gadget geek and I’m digital all the way (even with my budget with YNAB, @youneedabudget).

Any other questions I missed? Ask away in the comments below. P.S. I’m not sponsored by any of the products or people mentioned.

The Monthly Food Budget

We have 15 days left in the month! Will we stay within our budget?

Currently, our monthly food budget is ~$800 for (4) people; Jay doesn’t live with us as he’s 20 years old. This includes grocery shopping, the occasional eating out, vitamins/supplements (basically anything we ingest goes in this budget category, except for beer and my work lunch money; we have separate budget category just for Jesse’s beer, it’s a very touchy/controversial subject in the DFC space along with how much our food budget is).

Truthfully, there have been months this year where we’ve spent almost double this budget in a month. Yeah, going over budget happens a lot in this category. We’ve pulled from other categories to account for overspending on food and that’s been ok for us. However, I really want to focus on staying “on track” or within the goal budgeted for this category in December and monthly going into 2020.

After we paid off $115k of debt last year, this was a budget we intentionally increased, but it’s gotten a little crazy. FYI: our food budget was $800 a month during the debt-payoff period. We aren’t the best at penny-pinching in the food budget. It’s a constant work in progress. Maybe time to permanently increase the budget to $900 or $1,000. I’m ready for the “hate” mail.

Ways we are going to reach our food budget goals (that have worked for us in the past): less eating out, more meal planning, eating all the left overs, packing lunches for work/school, freezer/pantry challenges & clean-outs, and potlucks for special occasions.

Work Uniform

[Life Hack] I make decisions all day at work and home. To suffer less decision fatigue, I make my work wardrobe as easy as possible. I made myself a uniform!

This year, I purchased (5) black skirt suits and (5) black blouses with lint brush (lint brush not pictured, but lint is 😹). I wear black pumps with cheap, but good, black hosiery. Also, I wash and hang dry the suits (no dry cleaning bill for this gal). I don’t keep up with the work clothes trends as I’d rather spend the money on other things.

My uniform has saved me so much time and money!

Peloton Referral Code

If you’re in the market for a Peloton Bike or Peloton Tread, please consider using our referral code at checkout (in your cart, when prompted for promo code): QGHZ9T.

By using our referral code (QGHZ9T), you receive $100 off in accessories when purchasing a Peloton Bike or Peloton Tread, and we also receive a certificate for Peloton apparel. Win, win!

I’m addicted to the community, the instructors, and the quality of the products, classes, apparel, and content. I can’t stop talking about Peloton, thus the reason for this blog! It’s honestly the most fun workouts I’ve ever had. The whole family is involved over here.

What are you waiting for? When you’re ready, join me in a class and on the leaderboard. I’m at #smartsncents.

We’re Debt Free!

The Neon Museum, Las Vegas

From left to right: Jay, Eli, me (Kat), Jesse, and Gabby. We are Smart n’ Cents!

We live in Las Vegas and we love our city. #VegasStrong

Today, we finished paying off $115,956.54 of consumer debt in (3) years on a single income. Our debt consisted of $43k in credit cards, $55k in cars, $12k in 401k loans, $5k in student loans, and about $1k in cell phone leases.

Jesse is the stay-at-home dad and I work in marketing for a hotel/casino.

Jesse and I have been married for (11) years and for most of our marriage we lived the YOLO (you only live once) Vegas Edition & “keeping up with the Joneses” lifestyle accumulating a mountain of debt (big home mortgages, credit cards, student loans, fancy cars debt, loans, etc) and finally got sick and tired of living paycheck-to-paycheck when making a decent living. We had to figure out where our money was going and change our financial ways.

We dabbled in Dave Ramsey’s plan back in 2015, and years before, after attending a Live Event and reading Dave’s book, The Total Money Makeover book. However, we fell back to our old spendy ways. We re-committed to the Baby Steps in March 2017, took Dave’s Financial Peace University, and stuck to it. Lesson: Don’t give up!

Dave Ramsey (and company) and our budget app, YNAB (@youneedabudget), were the keys to our success.

A huge thank you to Dave, the #debtfreecommunity, and #YNABcommunity for all the inspiration, motivation, and support!

The Neon Museum, Las Vegas

Photography: @tayloredphoto
Photographer: Jessie from @theemerics
Venue: @theneonmuseumlasvegas #neonmuseum