Inspiration

Reason number 154 why you shouldn’t go shopping today:

Don’t you have some outstanding credit card balances to pay off instead?

Gambling: Yay or Nay?

You just need to control yourself and walk away…

For most people, gambling can be a vice that they just can’t walk away from. For others, it is not an interest. For me, it’s a catch-22…do I voluntarily become a broke bitch? Or, do I walk away and enjoy other things in life? Although I would choose the latter, my friends would like to have a “sassy casino night” in Atlantic City in New Jersey.

What’s a girl to do? I can’t be a Debbie downer, so I’m gonna have to deal.

How To Gamble: For Non-Gamblers

Make A Budget

Make a budget and stick to it. It’s a common trend for me to verbally tell my fiancé my plan for a budget. I will say how much I am going to spend, and how much I am willing to bend on it. I’ll think about the bills I have to pay, and how much I already have on my credit card. It’s a good strategy to keep in your back pocket when you are faced with the possibility of winning millions.

Be Strong

We’ve all been there: you put in $10.00, and you win $20.00…then $35.00…then you lose it all. When you lose your budget, stop playing. STOP. Casinos now make it easier than ever to put you in debt…including a place to put your credit card, and ATM’s all over the floor. My advice? Take your budget out in cash before you get to the casino. Usually, there is a HUGE surcharge fee all up in that jawn.

Enjoy Other Things

Although casinos are based off of gambling and throwing away money, you might as well throw your money away (if you really want to) on something that has a guaranteed good or service that is beneficial to you. So, go to a show or a club at the casino. In the end, you’ll be happy and drunk. #whatcouldbebetter

Be Negative

Yep, that’s right…be negative. Be realistic. What are the actual chances that you will win millions? Nada. Sorry for the harsh reality, but it’s true. You won’t win big if you keep putting your money in. Chances are, you will lose…and lose big.

Cash Out and Walk Away

If you put in $10, and win $20…cash out. CASH OUT. Go buy yourself ice cream and walk on the boardwalk. Put that money in your money jar and consider it a lucky win. Don’t ever think that you’ll win more with one more round.

That’s it for now, stay tuned for some sassy observations in a couple of days. Should be a good time.

xoxo-kate

If you know someone with a gambling problem, visit your state’s website for a dose of reality.

A Credit Card Is Not Your Friend

Today is a good day. I finally paid off my credit card…in full. Oh, I can’t tell you how good it feels to finally be out of debt! Well, except…you know…freakin’ Sallie Mae.

Here are a couple tips that helped me when I was trying to swim out of this black lagoon:

  1. Don’t put small purchases on your credit card We all know it’s tempting, but don’t do it!! Putting on small purchases are easier to forget than an impending big charge. The less you put on a credit card (or debit card for that matter!) the better. I have become a big believer in trying to carry cash with me, and only using cash!
  2. Swallow your fear: submit big payments If you get a paycheck for $800, and your other bills are paid, put $100 into savings and submit a BIG payment. Try to put $200-$400 for the month. The bigger, the better. You will feel like a huge weight is being lifted!
  3. Don’t swipe after you make a payment. We’ve all been there, we think that since we paid off some charges, we can continue to swipe! Our credit line is up, so why not? I’ll tell you why…because being confident about your money can be lethal. Obviously not at all times, but when you get cocky, it can be bad.
  4. Use your card for a specific thing. Whether it is for gas or food…keep it as such. Don’t go crazy using your credit card for frivolous purchases. The up side of this is that several credit cards have a special for cash back or double points for a certain thing. If it’s offered, use it. If you get double points for food and entertainment (ie: movies)…use it for just that. You can get some super fun things! (ie: points to use towards cash, gift cards, or your cc balance)

Try it, and get back to me!

 

xoxo- kate

Chic and Cheap Weddings: 103

After a long week of soul searching (and working like a dog), I’ve decided to write another post about weddings. It’s certainly a biggie: wedding favors, table linens, and veils

Alright, this is a short post, but important.

Wedding Favors

Girl please, most people will be too drunk to get the favor…(unless it’s a dry wedding…in which case, you need to get your priorities straight.) So, anyway, there are plenty of favors that are less expensive than the common ones. For example: food, bubbles, or flower seeds. Candy can run you a good $2.00 per candy, while flower seeds and be a couple cents, if you know where to go. I have gone to my fair share of weddings, and I will tell you my ultimate favorite favor: Nothing. THERE! I said it! Donate that money to a good cause…we all know your guests are more excited about their new profile pics and their drunken buzz than a package of *literally* terrible candies with my husband’s face on them.

Table Linens

Another ridiculous expense that most brides would be better without. Yes, your color scheme is important…and yes! the lace linens you saw ARE super cute…but literally, your guests are looking at you, talking about you, and taking pictures of YOU. I have never heard of a party-goer saying that a bride’s table linens were not “up to par.” Please, we all know you spent a fortune on a table cloth that your aunt dropped spaghetti on…and then tried to cover it up. Linens are the WORST. It is so easy to get caught up in that crap. Do me a favor (just for me, please!) Don’t spend extra on table linens. Most of the time, your venue will have a vast amount of choices that come with the price. Take those bitches for all they are worth!

Veils

Oh, lady! You are literally putting a piece of fabric in your hair for about 3 hours! You might want to make it interesting…for goodness sake, it’s your wedding! If you are anything like me, you want it to be traditional. I get that, I really do. Traditional is good! Don’t splurge for a veil. My advice? Go on etsy, ebay, or a pre owned shop. It will save your life…and your wallet (Which is super cute, by the way!)

That’s all for today, the holidays are getting to me! Oh, and I got published on Elite Daily! Check that baby out!! I’ll see you after Christmas!

xoxo -Kate