FFF Travels: Puerto Rico for $1000 or less

Hey, Financially Fit & Fab readers! Welcome to the third installment of FFF Travels where I share details on traveling for less! If this is your first time here, welcome! The first two installments featured trips to the Dominican Republic and Panama.

The third installment of FFF Travels features a 5 day 4 night trip to Puerto Rico that I took November of 2014!  This was prior to my serious travel hacking days but I still managed to spend much less than $1000 on the trip.

Got a story to tell about traveling for less than $1000? I’m sure the readers would love to hear it! Shoot me a message at financiallyfitandfab@gmail.com so we can chat further! 

FFF Travels- Puerto Rico for $1000 or less

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10 Costs of Homeownership (that you haven’t considered)

First of all, congrats! If you are reading this, then you are probably in the market for a home. I was in your same place earlier this year. Looking for resources in order to assist me on my journey to homeownership.

I was looking for a checklist, you know, something to tell me how to prepare. That’s why I created these 5 steps to prepare for your first home purchase.

After I knew I was ready to buy a home, I wanted something else that showed me all the fees and costs associated with homeownership compared to apartment dwelling.  I couldn’t find anything anywhere that detailed all of the costs of homeownership.  That’s why I created this list.

10 Costs of Home Ownership(That You Haven't Considered) (1)

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7 Lessons Learned from My Previous Blog Failures

Yes, you read that correctly. I have had multiple blog failures. 3 to be exact! When I say failed I mean they never really took off. Sure I may have had a following – mostly family and friends. Sure I may have been promoting them – but I didn’t truly know how. Sure my most recent failed blog (Naturally Fit and Fab) provided opportunities to write for a local newspaper, speak on panels, and receive plenty of free goods. However, I still consider it a failed blog.

I don’t want you to go through those same struggles.  Check out this list of 7 lessons learned from my previous blog failures.

7 Lessons Learned From My Previous Blog Failures

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6 Sites to Book a Last Minute Hotel

We have all been there.  You are going out of town, you have found the perfect flight deal and your lodging plans fall through at the last minute.  What do you do next?  Book an overpriced hotel?  Cancel your trip?  Heck, no!

The next step is to find inexpensive accommodations!  Although I prefer to book one of the Airbnb alternatives, sometimes there is nothing ideal available through those sites.  My next stop is to try one of the 5 sites below!

6 Sites to Book a Last Minute Hotel (without breaking the bank)

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How I Save 50% of My Income

Today’s guest post is from Polina.  She is a member of one of the awesome Facebook groups I am in, Blog + Biz Bff’s.  Check out her bio at the end of the post.


I recently left my 9-5 job to pursue a career in freelancing and online business.  Although I wanted to leave my full-time job for a while, it took a year of preparation. The most important part of the preparation was saving money.  I wanted to have a financial cushion while I focused on building up my business full-time.

My goal was to save enough money to live for a year as soon as possible.   Although the task seemed extremely difficult, I put a plan into action to save 50% of my income each month.

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5 Credit Lessons I Wish Were Taught in School

Credit is one of those many personal finance topics that should be taught in school.  Unfortunately, I had to learn about credit the hard way.

I’ll never forget when I went to purchase my first “grown up car”. I knew what car I wanted and saved up the down payment. I figured my credit score would be good since I usually paid my bills on time. Boy, was I wrong!  Ultimately, it related to not understanding how my credit score was calculated.  Thankfully, with a little dedication, I was able to raise my credit score over 150 points!

Check out these 5 credit lessons I wish were taught in school.

5 Credit Lessons I Wish were Taught in School

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How MJ Paid off Over $39,000 of Debt in 21 Months

Recently I sat down with a friend, MJ Bridges, who paid off over $39,000 of consumer debt in 21 months and started the site Young and Debt Free.  Make sure to check out his bio at the end of the post!

How MJ Paid Over $39,000 of Debt in 21 months

So MJ, I have to ask.  How did you accumulate over $39,000 of consumer debt?  That is $39,000 of debt not including your student loans!

Honestly, I was trying to “keep up with the Joneses.”  Looking at people on social media with new cars, furniture, and designer clothes.  I wanted that lifestyle.  So I had it through my credit cards.  On top of that, I was very ignorant to personal finance which led to a lifestyle of impulse buying.

I remember when I got my first credit card during my freshmen year of college.  Initially, I did a great job managing credit responsibly.  However, it got out of hand while I was pledging my fraternity.  I never recovered from that and it only continued to get worse.

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Financially Saavy Saturdays #153

For those of you who regularly read Financially Fit & Fab, today’s post is a little different.  I am co-hosting a blog hop or “link up” with two other bloggers.  That basically means that other awesome personal finance blogs have dropped links for their latest posts at the bottom of the page.  Check a few of the posts out, I guarantee you will find some great info!  If you are a personal finance blogger, I’d love for you to join in this week.  See below for more info! 🙂

Welcome to Financially Savvy Saturdays, a blog hop created especially for personal finance bloggers! We want to read anything and everything to do with money here. Whether you’ve written anything from how you talk with your kids about money to your latest side income report, you’re invited to link-up.

If it relates to personal finance, we want to read it!

Financially Savvy Saturdays Blog Hop with Disease Called Debt and Broke Girl Rich

Financially Fit and Fabulous

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10 Items you Should Slash from your Budget

According to CNN Money 76% of Americans live paycheck to paycheck.  In order to resolve that, lets get to work on your budget.  A budget truly is the foundation to your financial success.  If you don’t have a budget yet then you should create one in with these 5 simple steps.  Once you have created your budget, make sure you negotiate your reoccurring bills to save money. Once you have taken those steps, its time to look at things that can be cut from your budget.  Check out these 10 items that you should slash from your budget!


10 Items you Should Slash from your Budget (2)

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FFF Travels: Panama for $1000 or less

Due to popular demand, Financially Fit & Fab started a new travel hacking series in May: FFF Travels for $1000 or less. Some trips will be much less than $1000 and others will come right to the cusp. The dollar amount spent on the trip will include flight, lodging, food & drink, as well as basic entertainment. The first trip that I featured was a trip to Dominican Republic for much less than $1000.

This month feature is a trip that I took in December to Panama for less than $1000.  I spent 4 nights and 5 days in Panama – 3 of the days were actually in Panama City and one day was at a small island about 40 miles away called Isla Contadora.

FFF Travels- Panama for $1000 or less (1)

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