The Oil You NEED For Back To School!

Shut uppppp! This BOGO week is the best I've ever seen!

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This is perfect for back to school. Yippee!

$32 for ALL 😍 Yes, a bottle of On Guard, plus On Guard infused foaming hand wash & two pump bottles. Wowza!

I mean, where do I even start with On Guard?

I get panicky when I'm running low, if that tells you anything! I use it at the first sign of a thickly throat and it knocks it out. It's also a staple in my daily routine for keeping my kiddos immune systems supported. The hand wash is a perfect way to ensure you're not spreading any seasonal threats (and it's safe - no triclosan here!).

Let's just say - if you haven't gotten started yet, why not?!? ✌🏻

Want more free stuff? See here for how to grab a free Wild Orange and Copaiba while you're at it!Β 

(Ps this deal ends tonight at 11:59 pm MST so don't wait!)

Weekly Meal Plan + Budgeting Update

I have been majorly slacking on meal planning but that definitely makes it so we are way less mindful on our grocery budget (aka, there is no grocery budget...eek!). Sometimes when I am really ill, either with my depression or my Ulcerative Colitis, meal planning, shopping, etc just goes out the window and we are in full on survival mode. I have no shame about past moments when that has happened, but I am feeling better right now so into prepared/planning mode I go! I know that my health ebbs and flows, and with that my ability to do things like this, so I am just grateful for any time I feel good enough to be on top of running the household.

You might remember a couple of years ago when I did my Real Food On a Budget Series. You can go read through that to get some meal planning ideas if you'd like!

I've upped our food budget to $700 because our kids are bigger and it's just way more realistic. We are a family of 6 and I feel like that is do-able for us. I don't even want to know what we spend when we don't track it...yikes. This is definitely a huge area I can cut back in and be mindful in, so I am excited to be back on track.

Since we get paid on the 10th and 25th, I found that it's actually really hard to have a monthly budget and track it because the 25th paycheck bleeds over into the new month. It's a lot easier for me to break things up by paycheck, so instead of thinking "We have $700/month for food", I think about it as "We have $350 per paycheck for food." That means I've got $175 per week to work with, which is totally doable as long as I am mindful and plan out our meals.

So without further ado, here is this week's Breakfast and Dinner meal plan along with my shopping list. I shopped online at Walmart Grocery which I actually really like (look for a $10 coupon at the end of this post!). I haven't done it in awhile but I like that it makes my life easier, especially when my health is poor, and it makes me less likely to buy impulsively. I am all stocked up on meat so that for sure kept costs down this week.

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Tonight, we are headed out to eat at Chipotle because we LOVE to eat out as a family! It adds up though, so we have decided to keep that joy in our life but be more mindful about it. Every Monday in June in Utah, you can get a free kids meal with an adult purchase so hello...we have to go. We'll get 2 free meals! I have set a family fun budget this paycheck of $100, so that will come from there. We've got to be mindful though because the fourth of July is also coming up which means we've got to pull from that $100 for that holiday. I think we can do it! Simple is key.

Do you like hearing these details about meal planning and budgeting? Let me know if I should try to continue these weekly(ish) updates! I am not the best at being consistent, so posting and sharing definitely helps me stay accountable which I like.

PS: I recently decided to go back to eating Paleo-ish again - not to heal or cure my Ulcerative Colitis...cuz that ain't happening...but to help my symptoms. I already feel A LOT better - my bloating and gas is gone which is awesome. I don't look 6 months pregnant anymore. However, that does complicate meal times with my fam! So, what I plan to do is to just eat what I can eat alongside them. For example: With our pork fajitas, I'll just have the meat & veggies and skip any cheese or tortillas. For pancakes in the morning, I'll have my own paleo pancakes or just have something else quick like an egg. Hope that helps for those of you following along who are also needing to have a modified diet due to a diagnosis.

Walmart Grocery Pickup is seriously a life-changer! You order fresh groceries, Walmart does the shopping and loads your car for FREE. How easy is that? Here’s $10 to try it. You can thank me later. Try it here: http://r.wmt.co/jnuSR

How We Paid off $25k of Debt in One Year + a FREE Budgeting Printable!

 
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Finances have been a source of stress in my life for the past 12 years. I have definitely lived in a mode of scarcity and not feeling like there's ever enough. That's not true - we've always had enough, but for some reason it's a story that plays strongly for me. As we have been married and acquired some debt, the stress has accumulated and multiplied.

This post is not a "debt is bad" post, although I DO hate debt, but it's more of a post to help anyone else out there who feels pretty suffocated by it or ashamed of it. We have a lot of debt, most of it is schooling from my husband's doctorate degree, but we also have a house and cars that were necessary purchases (both of our debt free cars died, and we didn't have the luxury of paying cash for new ones, so loans it was). The biggest debt and most embarassing debt is credit card debt! The one I am most ashamed to say. I don't even really know how it happened...because we aren't big spenders and we didn't do anything crazy. A lot of it was medical expenses for my ulcerative colitis and the rest was really just being mindless and not tracking our money.

The biggest lesson I have learned is that it is so important to be mindful and aware of finances. My husband and I tend to avoid situations that scare us or that we feel ashamed of, so it was easier to just stick our head in the sand and avoid facing our finances. Now, we are being more brave (I know that sounds dumb, but it feels brave to us) and we are facing our debt head on, and working hard to get out of it.

We have been actively working to pay off debt for a year now, and today I sat down and tallied up how much we have paid off. The amount surprised me!! You see, like I said at the beginning of this post, I've been working on getting out of a scarcity mindset. It's easy to me to feel like we suck at paying off debt and that even though over the past year that we've been more intentional, it hasn't been enough. I have felt ashamed because we still have debt, without giving myself the grace that this process will take TIME. Our efforts over the past year have been awesome, and have been enough. We have paid off over $25,000!!!! In one year.

In the journey to being free of the burden of debt, it is REALLY easy to feel overwhelmed with how much further there is to go. But when you look back, and tally up your work, it's easy to see that there has been progress! For me, having a plan makes me feel more in control which leads to a LOT less financial anxiety (although I'd be lying if I said my financial anxiety is gone...it's NOT...).

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Now I want to share how we have been doing this. I have ignored finances forever because it just felt so hard. All the budgeting systems I have tried, failed. I felt like it was so hard to be good at it. Finally, I learned the easiest way from my friend Tiffany. It clicked for the first time ever!

Here's what I don't do:

  • I don't itemize our purchases. That gets so overwhelming to me.
  • I don't budget to zero.
  • I don't really have budgeting categories.

I guess you could say, the way I budget is very free-spirited. All the budgets I have come across do NOT work for my personality type at all and that left me feeling so bad about myself! Finally, I see that we CAN be good with our money - we just needed to find a way that would work for US. (I use me a lot in this post because I am the main one in our marriage who does the finances)

So here's how I break down each month and I even made a cute printable! I used to do just use 3x5 cards but I needed something to rejuvenate my debt paying off spirits so this worked well.

I'll start by saying that this system is probably not perfect, but I have tweaked it to make me feel good about myself, capable of money, and succeeding...instead of feeling like I suck. I am not great with numbers, so this makes it feel more attainable because I don't really have to itemize things. It's more like I have a chunk of money and just have to make sure not to spend all of it.

The main thing I do is each time we get paid, I divide our paycheck up into the following:

10% to charity/tithing
10% to savings
10% to debt
70% to living

That is the basic structure, however we are not following that pattern right now BECAUSE we wanted to get out of consumer debt as quickly as possible. Once we have paid consumer debt off and we only have things like student loans and mortgage left, we will return to the above pattern.

Here is our aggressive structure:

10% savings (once a $1,000 emergency fund is established, this 10% also goes to debt)
20% debt
70% living

It's pretty strict - it's essentially just living expenses and debt payments but we want that sh*t GONE therefore we are sacrificing for a time. Eventually we will be able to save more and be more charitable, which is the ultimate goal. With hopefully some traveling thrown in :)

Below you can see how I actually break it down (these are not our real numbers because I do want to keep that private!).

I want to explain the 70% living part. So I write down 70% of the paycheck and that right there is our living amount. However, I TRY really hard to be below that. That means foregoing activities, fancy vacations, lots of eating out, etc. In the example below, you can see that each paycheck, there is about $1,750 to live on. The GOAL is to live on less than $1,600. At the end of the month, if we can live on that amount, then there is an EXTRA $150 to put towards debt on top of that $250 we already did. Does that make sense?

Family Budget
Family Budget

It took me some time to tweak this system and get it right for my personality and our finances, but it's been awesome and like I said, through it, we have been able to pay off quite a large amount in the past year without necessarily making more money. We did get a good tax refund and put the whole thing towards debt, which felt REALLY good! We were mindlessly spending so much money and with just a little bit of focus (and a lot of living very frugally), we were able to chip away at our debt.

If you'd like to download your own paycheck planner, I made a blank one for you! Just click the image to download it for free.

Do you want this printable customized for you? If so, I am happy to do that for you! Here are the steps:

1. Fill out the form below with your preferred customizations.
2. Submit your $10 editing fee via Paypal (hello@cleanseyourlife.org) or Venmo (@Kami-Larsen).
3. Within 24 hours, you'll receive an edited version with your personalized information.

Name *
Name
Look at your bills for the month and figure out which paycheck they come out of. Include anything that is on auto-pay or is a recurring, set fee.
If so, please put the quote you want at the bottom of page #1 and page #2 here.
If not, please tell me what you'd like to put there instead.

When I am researching becoming debt free and trying to learn about how to better handle finances, I can quickly become down on myself when I see people who are in a much better and stable financial position. It seems out of reach and sometimes just feels very out of my control. In case you're like that, just know that we are still very much in the middle of this journey! We live paycheck to paycheck, we don't have a big nest egg in savings (wouldn't that be nice??), and we have a lot of debt. We have four kids, one main income, and my small side income that I am working on growing. We are just a normal family, trying to figure out life. So I hope you don't read this and feel bad about whatever financial state you happen to find yourself in. I want you to know if we can do this, you can too! 

Do you have any questions for me about this system? When I started to sit down and actually write, it made me so anxious! It was harder than I thought it would be to explain how I have been budgeting and paying off debt, even though it feels pretty easy. But, maybe that's just my anxiety speaking.

I really hope this helps someone else out there who is feeling super panicky about debt!

xo Kami

PS, if this helped you, would you pass it on? Send it to a friend, share it on Facebook, or pin it on Pinterest!