How My Lack of Money Knowledge Landed Me Bankrupt at 22

This is a guest post by an awesome blogger that I met last year, Kenya.  Check out her bio at the end of the post. 

I remember my first day on campus. My short blond haircut, my gray colored contacts, a new pair of Reebok Classics. I was ready for all the possibilities.

I wish I could tell you my four years of college ended in a degree and left me ready for a job in the world.

Eventually, I got the degree and the job, but not before a few other things happened first.

I started college at 17, graduated early.

Prior to going to school, I didn’t fully appreciate the lifestyle I had been afforded.

My mom grew up “down the way” as we called it where I’m from. And so she made every effort to make sure I didn’t.

I went to a predominantly white school, lived in a nice neighborhood and had everything I needed and most of what I wanted.

But by the age of 22, I had filed bankruptcy.

You are probably wondering how this happens. Well, let me share.

How My Lack of Money Knowledge Lan

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7 Ways to Invest your 2017 Tax Refund

Tax time is in full effect!  It is easy to tell by the constant social media statuses ranging from just filed my taxes to heading to the mall with my refund check and even others suggesting what you should do with your tax refund.  Ultimately, what you do with your 2017 tax refund is up to you but I want to help you make the most of it.

Check out these 7 ways to invest your 2017 Tax Refund.

7 Ways to Invest your 2017 Tax Refund

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8 SMART Financial Goals to Set in 2017

Happy New Year! With a new year, comes a chance to set new goals and resolutions to achieve.  The best way to achieve your desires is to set SMART goals.  SMART goals are specific, measurable, attainable, realistic, and timely.

The SMART methodology can be used for any goal that you wish to set.  For example, if your goal for 2017 is to lose more weight you could make that a SMART goal by saying the amount of weight you want to lose each month and what you will do to achieve the goal.

Today, we are going to focus on SMART financial goals.

8 SMART Financial Goals to Set in 2017

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How Facebook is Putting you at Risk for Identity Theft

Every month or so there is a new game on Facebook. From the mannequin challenge to Throwback Thursday, there is always something new. The newest Facebook trend could be putting you at risk for identity theft.

Identity theft is defined as a crime where a thief steals your personal information, such as your full name or social security number, to commit fraud.  The identity thief can use your information to fraudulently apply for credit, file taxes, or get medical services.  These acts can damage your credit status and take money and time to restore your good name.  Often times you don’t even realize that you are a victim of identity theft until it’s too late – i.e. you are attempting to qualify for a home or car.

How Facebook is Putting you at Risk for Identity Theft

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3 Reasons to Share your Money Goals with your Squad

Luxury Cars.  Mansions.  Extravagant Trips.  These images are plastered all over social media with the hashtag #squadgoals, but what does that even mean?

According to Urban Dictionary, #squadgoals are defined as “an inspirational term for what you’d like your group of friends to be or accomplish.”

Based on many of the pictures labeled #squadgoals on social media, should the goal of your squad be to achieve wealth?  If so, how are you getting there?  Even better yet, how are you getting there together?

Check out these 3 reasons to share your money goals with your squad:


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15+ Frugal Fall Date Ideas (that won’t break the bank)

Kids are back in school. Football season has started. The weather is getting cooler in the evening.

Can you believe that fall is already here? I know I can’t! Before you know it, we will start talking about Christmas. In that spirit, it is time to start getting your finances in order for the holidays and the start of the new year. That means cutting expenses wherever you can. The great thing is that an awesome date night with your main squeeze doesn’t have to be expensive!

Since the start of fall just happened last week, check out these awesome 15 frugal fall date ideas that won’t break the bank:


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How to Save on Personal Care with Groupon

This is a sponsored post.  All opinions are my own.

In an effort to be financially fit, I slashed a lot of “luxury items” from my monthly routine.  From cable television to certain regular personal care items, nothing is off limits to save more money in my budget.  For example, instead of weekly trips to get my eyebrows done, I have opted to visit every 3 weeks and clean up my brows myself between visits.

It paid off!  Not only have I been able to treat myself in moderation, but I have also been able to accomplish many goals like purchasing my first home and raising my credit score over 150+ points.

When I do want to treat myself without breaking the bank, there is only once place for me to check: Groupon!


Check out these 3 easy steps I follow when I am looking to treat myself.

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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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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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(Featured) Declutter your Finances in 4 Easy Steps

After weeks of warm weather, summer is finally here!  The beginning of spring typically signals spring cleaning.  You know, giving away old clothes, cleaning out the garage or basement, and giving the entire house a good deep scrub.   One important thing that is often forgotten during spring cleaning is to declutter your finances.  Just like spring cleaning, it is time to scrub the clutter away from your finances.  In honor, of the first day of Summer, check out these 5 easy steps to declutter your finances!

Declutter your Finances in 4 Easy Steps (1)

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