How to Stop Spending All of your Money!

Hello everyone!

As we approach the highly commercialized O.o holiday season, I feel compelled to share some money saving tips. These are not just for the holiday season, but can be implemented in everyday life to help you keep the purse strings closed.

Of late I’ve found myself moving from wanting to buy everything either impulsively or because it’s cheap or both to only buying things that I actually need and can use in my day to day life (most of the time O.o lol). My 6 month job drought in the beginning of the year forced me to stay away from all shops and websites, so I, out of learned behavior or habit, don’t like to spend money on unnecessary things. Yes, I still slip up every now and then, but it’s important to be strict and avoid all unnecessary spending. If you need to treat yourself for your own emotional well-being or sanity, then go ahead! What’s life if you can’t do things to make yourself happy?!

Just a little note before we begin:

  • It won’t work unless you are committed, like anything else in life. You have to be strict with yourself, and be determined to cut out unnecessary spending!
  • This will help even if you have tons of disposable or discretionary income. You can always open a savings account with the money you were once spending or put it towards paying off credit cards or loans.

Step One: Figure out your spending habits

Take note of your spending habits for the day, week or month. Find out what you are spending money on? You can write on your phone on the notes app or journal, get a specialized budget app or make a spreadsheet. Once you know how you spend money day to day, you can use that info to create a working savings plan that works for you.

Step Two: Figure out bills and expenses 

The next step is to figure out your daily, weekly or monthly  expenses. Make a note of all of your bills, loan, insurance or credit payments, food, gas etc. so you know how much money will definitely be leaving your bank account each month. Also note how much money you expect to earn or get each month.

Step Three: Budget time

Make a budget. Deduct your bills and necessary monthly expenses from your incoming funds to calculate your discretionary income. Savings should always be a part of your expenses. Think of it as something you have to pay like a bill so your mind won’t think of it as free money sitting in an account that you can touch whenever you want. Once that money hits your savings account, condition yourself to think that it’s locked away in an outer-space vault which only opens when you hit your savings goal to buy that expensive item, or when something unfortunate happens.

Budgeting is an amazing tool to help you recognize and cut unnecessary expenses. Be ruthless with cutting things out for the first week or month. By taking things away, you’ll see how much you really need them or if you just like wasting money on some trivial things. For the following month, add in the things you really need and can afford. This also a good time to brainstorm ways to increase income.

Step Four: Eyes on the prize 

Stay away from websites which usually draw you in. It’s important to remove temptation as much as possible in the beginning until you’ve built up good money spending habits!

Save for the things you want! Make a vision board of the things you would like to save towards or keep photos of the item or experience as your screensaver or on your mirror so you will be constantly reminded to save.

Learn to live with the things you already have. Better to buy quality that will last forever, than trend pieces which will disintegrate after the first use.

Try diys to salvage the things you have or can afford now instead of throwing away things that can re-used or irresponsibly spending.

Step Five: Savor the little things

Find free or inexpensive things which will make you fulfilled and happy. It can be a painful time when you are used to spending for fun, but it’s all for a great cause!

Final Thoughts

Who knew being a responsible adult who handles money well would be this difficult and time-consuming! Well everyone else who is older than I am lol. I want a refund from this whole adult thing; the whole thing was misrepresented in all the adverts and commercials!

Anyhoo, I hope you try out theses tips! Leave your money-saving tips below so we can help each other out! I know so many people end up being broke when January in the new year rolls around, so put away some dough so you can be comfortable in the new year!

With Love,

Karissa ♥

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Healthy Super Grains and Veggies Stir-fry

Post-Thanksgiving Healthy Super Grains and Veggies Stir-fry

Hello my beautiful friends! I hope you guys had an amazing thanksgiving holiday, and spent it with people you love and care about. The holidays can be a hard time for people who struggle with loneliness, FOMO and mental health, so I hope you were surrounded by love and happiness. I am always here to chat with you, so leave me a comment! 🙂

After all the gluttony of Thanksgiving Day, I needed to find a way to use up leftovers in a healthy way. This recipe really came together on the spot. I was making a stir-fry for my mom and decided to switch out some ingredients to make a healthier option for myself. I hope you guys enjoy!

Grains to know:

Quinoa is a 7,000-year-old plant that originated in the mountainous regions of South America. It is actually a seed that does not contain gluten. It is a complete protein source because it contains of all 20 amino acids, including the 10 essential acids our body doesn’t produce on its own. There are about 120 varieties of quinoa, and there are three commercialized categories: red, white and black.  Learn more about Quinoa here.

Millet’s uniquely high content of nutrients, lack of gluten and ability to survive in harsh conditions makes it a great option. The most common of the many varieties is pearl millet. Different varieties are primarily produced in India, Africa and China. The grain originated in Africa, but then spread through Asia and the Middle East as early as 10,000 years ago. Lean more about Millet here.

Buckwheat has been around for thousands of years. It is a naturally gluten free whole grain which is a good source of proteins, fiber and resistant starch. Most of the buckwheat grain for human consumption is marketed the form of flour. Learn more about it here.

Farro originated in the Fertile Crescent, and has been very popular on the Italian menu for centuries. It’s actually a specific type of common wheat, so it is not gluten-free, but it is a great source of fiber, iron and a little protein. Read more here.

Healthy Super Grains and Veggies Stir-fry

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Ingredients:

  • 1 cup ancient grains – I used a mixture of Quinoa, Millet, Buckwheat and Farro
  • 2 handfuls of leafy greens
  • 1/2 cup diced bell peppers
  • 1/2 cup diced onion
  • 1 cup diced cooked sweet potato
  • 2 shakes of All purpose seasoning
  • Soy sauce and salt to taste
  • splash of olive oil (optional)
  • Diced turkey and ham (optional)
  • Sliced avocado (optional)

Method:

  1. Boil grains until al dente or a firm.
  2. Add oil, meat and veggies (not greens) to hot skillet on medium high.
  3. Add seasonings and grains then mix
  4. Incorporate greens and stir for 2 minutes or until heated through
  5. Remove from heat and serve
  6. Add avocado for extra goodness!

 

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Enjoy!

Karissa ♥

Play! by Sephora Beauty Subscription Box

A little review! Play by Sephora Beauty subscription box November 2017

A few months back, I received an email from Sephora about open spots for their beauty subscription box. I rarely ever wear makeup and my skincare routine is very simple, so I usually don’t sign up for beauty subscription boxes. Especially since I’ve been on a strict budget for the past couple of months, I, shopaholic extraordinaire, tried to stay away from all of the shops both online and physical. Now that I can loosen my purse strings a little, I’ve been exploring all of the shops and feasting my eyes. This box first drew my attention because it is so inexpensive, only $10! I’ve gotten it for 2 months now, and I want to share this little bit of joy with you!

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How it works!

When they have open spots, you are able to subscribe and begin receiving boxes with free shipping. You create a PLAY! PROFILE where you answer questions about your skin, makeup and skincare preferences which they will use to curate your boxes. p.s. They only ship to the US. They usually charge your card within the first few days of the month, and your bow will arrive by the second week of the month.

The box comes with 5 beauty samples either hair products, makeup or skincare and a monthly fragrance bonus item all in a theme specific collectible bag every month.

They have a video for each month detailing how to use the products.

There is a little booklet which has how-tos and product info with a play pass which you can redeem in store for 50 bonus Beauty Insider points and a free one-on-one tutorial.

They also have PLAY! DATES which are monthly meetups to teach you how to get the most out of the products in your box.

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Lets hop to it!

Here are the beauty bits I received this month!

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Isn’t this the cutest! I don’t have the patience to color this in, but it’s beautiful! lol

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The little booklet has all the info you need to jump right in and start using the products!

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These little bags are the cutest!!! 

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Great reminder! Hard to be calm when you’re getting new bits! 

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Caudalie Vinosource S.O.S Thirst Quenching Serum

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Origins Clear Improvement® Active Charcoal Mask

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Marc Jacobs Beauty Velvet Noir Major Volume Mascara

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Sephora Collection Ultra Shine Lip Gel

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Moroccanoil Moroccanoil Treatment

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My Burberry Blush

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This smells amazing!! 

I loved this months box! Can’t wait to try out these bits and see how they work for me!

Here’s the booklet from last month’s box which was also bomb!

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If you want to try out some new beauty bits and you don’t want to invest in full size items, this box is perfect for you! They have wonderfully curated items which have been a hit for me so far!

See if they have any openings left here!

Be happy and well my beautiful friends!!

Karissa ♥


I’m trying to be more consistent with posting. Things have been changing in my life emotionally, work-wise, school-wise and otherwise so I’m working on being on a schedule to have everything run smoothly.

Big THANK YOU to all those who have commented, followed or liked!!! ♥ ♥ ♥

I love and appreciate all of you, and am so grateful to be able to share my many musings with you!

Stop by my Instagram or Facebook page and show a little love ♥

Fall-ing in Love With Coats

Folks! Here in the windy streets of Chicago, the cold is ‘cozying’ it’s way into our homes and settling right under our skin. Man it’s cold! Plus it’ll get worse before it gets better. Since we have no current power to change the weather to our benefit, we need to dress our skin and bones in protective layers until the weather does us right!

I’ve been fattening my eyes with some window shopping for the fall, and I wanted to share some of my recent findings with you all! There are so many types of coats and jackets, so I hope you find one that will treat you right and keep you warm in this weather!

From the sheep to your body!

 

Trenches not gutters!

Wrap it up, Anorak!

Fur the love of warmth!

Stay warm my lovelies!!

Karissa ♥

Beans

How to Enjoy the Last Days of Summer!

We open our eyes to a new day and new opportunities every time we wake up from our slumber. We can be so engaged with our day to day tasks that we don’t realize or acknowledge the movement of time. It can seem to stand still, but sometimes it can move in a flash. To me this year has just flown by! I can’t believe that there are only 3 more months until 2018! I feel like we just left the New Year’s Eve party.

Summer is almost over, and the familiar chill has returned to the air! If you’re anything like me, then you LOVE summer! I love the warmth coupled with the sunshine! Here are a few ways to capitalize on the short amount of time left for Summer as Fall knocks on our door!

Go to the Park

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While the grass is still green and free from snow, head to the park! Whether you go to to relax or exercise, get out in the open and enjoy all that nature has to offer! Some parks have movie nights or game nights that might be on their last legs so check your with your local park and spend the night outside! You don’t have to remain local, national parks are a great place to spend the last few weekends of warmth and sunshine!

Have a Picnic

There’s just something about eating food outside that makes you feel so free and connected to nature. You can go to your local park or even set up in your backyard. Invite some friends or family, or be by yourself for some quiet time, and break some bread in nature. Remember to clean up behind yourself, and be kind to the animals and plants.

Go to the Beach

If you love sand and large bodies of outdoor water, head on over to the nearest or nicest beach to get your fix before it’s too late. You don’t even have to don a bathing suit to enjoy the beach, you can just dip your toes or lay on the sand.

Show them Legs

Even though you can wear all of your dresses, skirts and shorts during the winter with the appropriate additions, they’re so much better during the warmer months when you can let your legs breathe.

Go on a Cruise

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You could go on a long cruise over the ocean or on a shorter cruise if you live by a lake or the coast. I know that in Chicago there are many lake cruises which could be a tour of the coast and the skyline, or meal-time cruises where you eat on the water. Give on a try before it gets too cold!

Go to a Rooftop Bar

Before the wind blows too chilly or the snow falls, head to your favorite rooftop bar to enjoy the drinks in the afternoon, evening or night air. If you don’t have a favorite, then go explore sooner rather than later.

Grill

Do I really need to say anything more about this? Just go grill those veggies or meat if you love the smoky char.

Party

Throw a big end of summer she-bang and round out the summer surrounded by friends and family!

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If you aren’t able to participate in any of these activities before the temperature plummets, don’t fret! Summer will be here again in a few short months!

What will you be doing to enjoy the last few days of summer? Let me know below  🙂

Be happy and healthy!

Karissa ♥

strawberry granola parfait

Quick & Healthy Strawberry Parfait

Looking for a quick and easy snack or even meal, that will soothe your sweet tooth?Whenever my sweet tooth begins to ache and I want to have a healthy snack, I make this!

What you need?

Strawberries or other berries, Granola, Yogurt and Honey (optional)

How to?

Layer yogurt, granola and strawberry until the container is filled. Super simple!

 

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Yumm!!

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Make it pretty then smash! 

 

Be happy and healthy my loves!

Karissa 🙂

Fashion: Haulin’ some Accessories!

Hola mis amigas! After finding out I’ll be going back to work on Monday (yaay), naturally I went shopping to prepare! My office environment is super casual and easy going, thank God! I bought some clothing pieces, but these accessories are too cute not to share!

The shoes are from Payless, the bag is from Ross and the knobs are from Dressbarn!

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Have you been shopping lately? What do you like to shop for? Or do you not like to shop?

Be happy and healthy my loves!

Karissa 🙂