Wednesday, February 22, 2017

Grownup Goals

On my last post I gave some tips on saving money.
I listed a couple of my monetary goals for the year, but I thought it would be fun to post some goals for adulthood, grownup goals, if you will.
Some are similar to my last post, some are a little different and fun.
So, here we go!

1. Meet with a financial advisor.
Sure, my dad can answer a lot of questions for me; however, I have always wanted to talk to a professional about the stocks I invest in and how much I should be putting away for retirement.
I'm not always the most savvy when it comes to stocks and trading them, so it would be awesome to have someone to break it down for me and give me unbiased advice.

2. Pay off my car and student loans.
A guy I work with recently equated being in debt to being a prisoner, but sometimes life requires debt.
I wouldn't have been able to go to college without taking out loans and I had to fill up my radiator in my old car with water every time I drove anywhere otherwise it would overheat. <--- there was a hole, so that was a temporary fix...I know it's not the best long term option.
I didn't have tens of thousands of dollars lying around to buy a new car.
What I did have was all my money in my savings account for a down payment and excellent credit for the lowest interest amount, making it much more doable.
Getting out of debt has been my biggest motivation for saving and making as large of a payment as possible each month.

3. Saving for a trip to Iceland...or Ireland...or Australia...or...
I love to travel!
A huge goal for me would be able to save up and travel without having to charge everything to a credit card that would take months to pay off.
Maybe I'll try to hold a bake sale to raise money for trips like I did in junior high.

4. Get my masters degree.
I've been talking about going back to school for years.
My constant struggle is deciding whether I want to go in debt from student loans...again.
It seems like a vicious cycle.
Go to college -- Be in debt -- Find a job to pay off debt -- 
Go back to college so I can get a job I really love -- Be in debt--
I am very lucky to have the job I do have and am hoping to someday go back for a Masters in Public Health: Nutrition.

5. Own a home.
This is a goal in the far off future.
My boyfriend bought a house about a year ago and I've assisted with renovations and decorating.
I've had so much fun helping, but not actually having to pay a mortgage...haha!
I definitely want my name on a house deed one day, but for now, I'm ok with saving money in my rent free childhood room.

I have been thinking about financials a lot lately.
I try to look at my retirement and stocks a few times a month to see where I'm at.
Recently, I download the Personal Capital app on my phone and you can also check out their website here.
I put in all my financials {stocks, retirement, savings, loans, credit cards, etc...} and the app generates my net worth.
This was all pretty recent, so I'm interested to look a little deeper and see what other information I can add and how I can create a tighter budget.
I had no idea what my net worth was before, let's just say my loans are putting me in the negatives...literally.
Every time I pay off a credit card or make a payment on a loan, I'll be excited to see my net worth go up!
It's all very fascinating to me and puts a lot of things into perspective.
Like, maybe I don't need to eat out 3 nights a week or buy these adorable Tory Burch sandals?
Most people in their 20's don't think about retirement, but life moves fast and I want to be able to enjoy my 60's, 70's, and hopefully 80's!
Whatever your financial goals are, I really challenge you to know where you stand.

xo Lindsey

This post is in partnership with Personal Capital. All opinions are my own.

Tuesday, January 31, 2017

New Year, More Money

I didn't want to go the "New Year, New Me" route for 2017, but I love the idea of a fresh start.
I mostly wanted to make this year a turning point in my finances.
I've never been super great at saving, mostly because I was living paycheck to paycheck with the majority of my past jobs.
Now that I'm working two jobs and not paying rent {thanks mom and dad!} I figured this was the prime time for making bigger payments on my student loans and car, paying off my credit cards, and building up a savings.
I've been doing a pretty good job these past few months and wanted to share some tips that have really helped me recently!

1. Set up a budget.
This seems like a "duh" tip, but when I realized that I spent almost $200 in one month at Starbucks I realized I really needed to slow my roll with expensive coffee and breakfast sandwiches. I'm not a strict budgeter, but I set up a rough estimate each month and put the leftover money into my savings account.

2. Use technology.
One of the easiest things I've done is download apps that are money saving tools. Ibotta is a really cool app that has refunded me $35 in the past few months that I've had it. All I do is check the app for products I've purchased, if they're on the app, I download my receipt and get money back. Here is a referral link if you're interested! Checkout51 is similar and also has completely different items on their app. It's worth checking out!

3. Stop unnecessary spending.
I'm about to show you something terrifying.
Yes, I am super embarrassed to admit that this is my bathroom.
This is what happens when you work at Sephora and you don't have enough organizational containers. I decided to not buy any products unless I was completely out of all similar products. For instance, I normally use this Nars concealer in Vanilla, but when I ran out of it I looked through my drawers and found this and this that I have been mixing instead. I can't stress enough how much money this method has saved me already and will continue to save me all year long. Whatever your vice is, ask yourself if it's truly necessary or if you can find a cheaper way of getting what you want {i.e. making coffee and most of your meals at home, shopping at consignment stores, saving up for a specific eye shadow palette instead of impulse buying 3 in a row...oops!}

4. Consolidate debt.
I had a credit card that I barely used, but I had been paying pretty much the minimum amount each month for a couple years. With the super high APR, I was paying an obscene amount of interest. Last Fall, I put that card on a Chase card with 0% financing and I'm close to paying it off. I promise this isn't an #ad...but if you want it to be, Chase, I'm here!

These are just some tips I thought I'd pass along. Especially when it's as easy as downloading an app and getting money back on items you would buy anyway. I'd love to hear any of your tips you have for saving money. Hopefully this topic will be recurring as I discover new ways to save!

XO Lindsey

Tuesday, August 9, 2016

Cowboy Take Me Away

A couple of days ago my Facebook alerted me it had been 5 years since I went to the Kenny Chesney concert in VA Beach.
I remember exactly what I wore: Maxi dress and flip flops.
Looking back, why didn't I wear cowboy boots?!
I've teamed up with King Ranch to create my dream outfit for upcoming country concerts!
They have a great selection of cowgirl boots that can complete any country outfit.
Like these beauties below.

I was trying to plan a trip to Dallas later this month to see Dierks Bently, but it just didn't work out.
I've always wanted to see him live.
I absolutely love Dierks' new album 'Black'.
No, I don't condone cheating, but his and Maren's voices on this track is so beyond beautiful.

I put this outfit together with that trip in mind.
It would have been hotter than hell itself outside and pants would be the last thing on my mind.
My two best friends from high school live in Oklahoma and Texas, so I'm always contemplating moving back to the South.
It's just way too hot for me.
But they would be the perfect concert buddies especially since my boyfriend hasn't quite found a love for country music like I have.
My honey is not the cowboy boot wearing type either, but I also saw these on King Ranch's website and thought he'd like them a lot!

If your fella is in touch with his Southern roots, be sure to check out the boots for him.
There are some really beautiful options.
My favorite is these boots here...

Are you going to any country concerts this Summer/Fall?
What's your favorite concert you've ever been to? Mine would have to be Britney Spears or Backstreet Boys!

Thanks for coming by to spend time with me!
xo Lindsey

Wednesday, August 3, 2016

Summer Adventures

Hello all!
Will I ever get better at posting more often?
Probably not.
Between 2 jobs, a boyfriend, and all the Netflix shows I need to catch up on, I've been pretty busy.
I thought I would share a few pictures from the last few months with you.

My parents went to Europe and brought back some Parisian Macarons.
They were heavenly!
They also brought back some...

 ...Some Rose´!
I'm trying to get artistic with these photos, but really they're just Instagram filters...

 My honey and I plane watching at Point Woronzof in AK.

 Probably the best picture I ever have taken or will take.

At the Wildlife Conservation.

The little bear behind us.

Our most recent trip to Seward.
We went to the Sea Life Center and walked along the water.
It was about 80ยบ and we got a little burnt too.

Hunter and I have been trying to maximize the Summer weather and long hours of daylight.
I work 2 retail jobs and he works nights so the time we do have together is precious.
We love to go on drives and adventures and see places we've never been to before.

 One such trip/drive we found this little guy.
Alaska is amazing.

Our most recent adventure, fishing on the Kenai.

As our 1 year anniversary is approaching in a little over 1 week, I can't help but think about all the amazing adventures ahead!

Tell me about some of your summer adventures!

xo Lindsey

Tuesday, August 2, 2016

Stitch Fix and Nordstrom Sale

Hello friends!
This post is dedicated to my shopping addiction.
I haven't blogged about my latest Stitch Fix boxes even though they've been amazing, so I'm posting some stuff from that.
Then, the Nordstrom Sale happened {and still is happening}...the problem is, I work at the mall right around the corner from Nordstrom.
I went a little bananas shopping there.
Partially because I've lost some weight {20 pounds!} and needed clothes, and partially because I'm crazy.
So, let's start with the Stitch Fix items.
I'm convinced my stylist wants to be best friends because she keeps sending me the most amazing stuff!

These white jeans are amazing!
I was intimidated because there's so many things that go wrong wearing white jeans...
But I bought a nude thong and am prepared to rock these {even after Labor Day}.

I don't usually get a ton of accessories from Stich Fix.
Maybe one every other box.
But I squealed when I saw this amazing bag and earrings.

I love basics, I love neutrals, I love lace...
Jacqui {my stylist} managed to wrap all three in one item!

Again, another grey, basic top.
This one is the softest t-shirt material and I'm obsessed!

Can we TALK about this skirt!?
These colors are insane.
I can't wait to wear it with boots and a crisp white shirt this fall!

I asked for a faux leather jacket and Jacqui delivered!
I love love LOVE the stitching.
It reminds me of a Chanel bag.

I got a cute pair of green pants as well, but they are currently dirty because I've worn them a ton since I received them a few weeks ago.
Now on to my Nordstrom purchases.

I love S'well water bottles.
They keep cold drinks cold for 24 hours and hot drinks hot for 12 hours.
I have a smaller pink bottle and wanted a larger one.
As my niece says, "You had a pink one and now you have an orange one. Do you need both?"
Yes, Olivia, I need both!

I finally did it!
Tory Burch riding boots.
I have wanted a pair forever!
The problem is, the calf is sooooo slim.
If Nordstrom can't stretch the calf a bit I will sadly have to return these.

Recently work decided we have to wear closed toed shoes.
This was a real bummer because I love wearing my Birkenstock sandals.
But then, I found these, and all was right in the world.

AG Jeans.
These are also dirty so I took the picture from Nordstrom's website.
They are so comfy and such good quality!

So, even though I asked for a faux leather jacket, my heart really wanted a real leather jacket.
And my heart found that jacket.
And now my heart is full.

 I needed some new sports bras and these Nike ones are comfy and high performance without squishing my girls.

I didn't need workout pants, per se.
But...I saw these and really, really wanted them.
And that was good enough.

I hope you liked these and saw something maybe you need to rush out to purchase too.
Now, excuse me while I find a third job and weep into my empty wallet.
Bye Loves!

XO Lindsey

Wednesday, April 20, 2016

Stitch Fix #8!

This was the first Stich Fix I had gotten in a while.
I had plenty of sweaters and jackets to make it through winter.
I needed more tops for summer, so I had a Fix sent hoping for some good items.
It did not disappoint!

'Daniel Rainn' Calhan Lace Neckline Knit Top
The picture makes the shirt look short, but it's actually quite long and flowy.
I like the detailing on the top of the shirt too, soft and feminine.
Verdict: Keep!

'Lila Ryan' Liza Skinny Jean
I don't really need more jeans, but the fit of these was perfect, so I decided to keep them.
Verdict: Keep!

'Tart' Anahi Printed Knit Blazer
I had just pinned a picture of a blazer very similar to this and was excited to see my stylist jump on it!
I don't own a lot of blazers, but it's the easiest thing to throw over almost any outfit.
Verdict: Keep!

'Daniel Rainn' Bettola Split Neck Silk Blouse
Yay, a pop of color!
I think this fit is really flattering on my body type and I love coral.
Verdict: Keep!

'Brixon Ivy' Renetta Dress
This dress reminds me of my bridesmaid dress from my college best friends a good way!
I am a fan of cobalt blue and, of course, lace detail.
Verdict: Keep!

This was a great Fix and I requested the same stylist for next time.
If you want to look into Stitch Fix more, use this link.
It's great for getting out of a style rut.
Let me know what you think if you try it!

XO Lindsey

Monday, February 1, 2016

Monday Musings

Welcome back to my Monday Musings.
These are things I've been thinking about and it's a fun way to discover new music, books, tv shows, etc...

What I'm Listening To: Coldplay's New Album, specifically the song 'Amazing Day'
I wish they had an official video out, but they are so good live.
This whole album is amazing.
My boyfriend hates Coldplay...what's wrong with him?! :|
I love Coldplay and would pay so much money to see them live!

What I'm Reading: Brit + Co
I got the app a few days ago and have been reading everything.
The topics range from DYI and fashion to food and health.
It even offers online classes on photography, calligraphy, nail art, beer brewing, and more!
It's just a fun website/app to read articles about whatever interests you.

What I'm Watching: I just finished watching 'Chelsea Does' on Netflix.
I liked it a lot.
I've always thought Chelsea was hilarious, but I liked how she was able to go al little bit deeper, especially with the racism episode.
I really hope there is a second season!

My boyfriend also got me hooked on 'The Jinx'.
Holy moly.
This was intense.
I'm very interested to watch his upcoming trial.

Now that I'm done with both of those, I've started re-watching 'Game of Thrones' from the beginning.
I haven't seen the last few seasons, but I forgot where I left off, so I just started over.

What I'm Eating: Fruits & Veggies!
At work we're doing a wellness challenge.
We get points for eating fruits and vegetables, weighing in, losing or maintaining weight, working out, and various other things.
Admittedly, I do not eat enough veggies.
I'd pick a fruit bowl over broccoli and carrots any day.
A personal goal is to eat 3 vegetables a day and only 1 or 2 fruits.

What I'm Wearing: Hempz Creamy Papaya & Shea
Found here
I found this at Ulta and fell in love.
It's not there anymore though!
I had to buy pomegranate this time, which I'm hoping I'll love just as much.
It doesn't leave me feeling greasy, and keeps my super dry skin feeling moisturized and soft all day.
I'm hoping I find the Papaya & Shea again soon!

Let me know below in the comments what you're currently loving!