Simply Tasheena

Legal Note: This post contains affiliate links to my own book. When you purchase through these links, I earn a royalty (which, as a multi-stream entrepreneur, I very much appreciate! 😊).



Hey, Gorgeous!

I'm literally sitting here with butterflies in my stomach as I write this post. After months of writing, editing, and refining, "The Multi-Stream Mindset: How to Build Multiple Revenue Streams Without Burning Out" is finally live on Amazon Kindle!

But before I share the link and ask for your support (yes, I'm totally going to do that 😊), I want to tell you the real story of why this book exists and why I believe it can change your entrepreneurial journey.
The Question That Started Everything

Two years ago, I was speaking at an entrepreneurship conference when a woman in the audience asked me a question that stopped me cold:

"Tasheena, you make it look so easy—content creation, consulting, your logistics business, the nonprofit work. But I can barely manage my one business without feeling overwhelmed. How do you do it without going crazy?"

I started to give my usual answer about systems and time management, but then I realized something: I was assuming everyone knew what I'd learned through years of trial and error. I was skipping over the frameworks, the strategic thinking, and the systematic approach that made it all possible.

That moment made me realize I had a responsibility to share not just the inspiration, but the implementation. Because here's what I've learned...
 
The Multi-Stream Mindset Isn't About Working More—It's About Working Strategically

For too long, I watched talented entrepreneurs put all their eggs in one basket, then stress about what would happen if that basket broke. I watched people with multiple interests get told to "pick one thing and stick to it." I watched brilliant minds scattered across random side hustles instead of building strategic portfolios.

Meanwhile, I was quietly building something different: a collection of businesses that actually made each other stronger.

When brand partnerships slowed down during economic uncertainty, my consulting business thrived because companies needed help adapting. When I spoke at conferences about content creation, people hired me for logistics consulting because they saw my systems thinking in action. When I worked with nonprofits on youth development, I met board members who became consulting clients.

This isn't luck. It's strategy.
 
What Makes This Book Different

There are plenty of books about "multiple income streams" out there, but most of them fall into two categories:
Get-rich-quick schemes that promise easy money with no real strategy
Academic theories that sound good but don't provide practical implementation

"The Multi-Stream Mindset" is different because it's based on:

✅ 10+ years of actually building businesses across different industries (not just theorizing about it)

✅ 100+ speaking engagements where I've shared and refined these frameworks with thousands of entrepreneurs

✅ Hundreds of client success stories from people who've implemented these strategies in their own unique situations

✅ Real systems and processes that I use daily to manage my own portfolio

Here's What You'll Actually Learn

Part I: The Foundation - We start with mindset and what I call your "Zone of Genius"—that sweet spot where your unique skills, passions, and market demand intersect.

Part II: The Blueprint - I break down the four core stream types that form the foundation of every successful multi-stream portfolio: Content Creation, Consulting Services, Traditional Business Ventures, and Impact-Driven Revenue.

Part III: The Execution - This is where the rubber meets the road. I show you exactly how to launch streams strategically, build systems that scale, and leverage speaking opportunities to amplify everything else.

Part IV: The Mastery - We dive into advanced portfolio management, including when to add new streams, when to exit underperforming ones, and how to build legacy wealth that extends beyond your personal involvement.
 
The Stories That Drive Me

Throughout the book, I share real stories—not just mine, but from entrepreneurs who've taken these frameworks and created their own success:


Sarah, who went from struggling freelance marketer to six-figure multi-stream entrepreneur with a podcast, consulting practice, marketing agency, and community impact program

Steven, who left his corporate VP role to build a portfolio that now generates more income than his executive salary while giving him the freedom he never had in corporate

Jennifer, a single mother who built multiple streams around her teaching expertise, eventually earning twice her teacher's salary while creating educational opportunities for hundreds of children

These aren't overnight success stories. They're real people who applied strategic thinking to build sustainable, fulfilling businesses that serve their values and goals.

My Personal Why

Here's the thing—I didn't write this book to become a bestselling author (though that would be nice 😉). I wrote it because I believe we're at a turning point in how people think about work, security, and success.

The old model of depending on a single employer or single business is broken. We need new frameworks for building security through strategic diversification. We need approaches that honor our diverse interests while creating focused value in the marketplace.

Most importantly, we need to show that building multiple streams isn't about working yourself to death—it's about creating systems that give you more freedom, security, and impact than any single stream could provide.
 
What I'm Asking For

If this resonates with you, I'd be incredibly grateful for your support in three ways:

1. Get the book and implement the frameworks. Seriously, don't just read it—use it. Test the strategies. Adapt them to your situation. Make them work for your unique goals and circumstances.

👉 Get "The Multi-Stream Mindset" on Amazon Kindle for $9.99

2. Leave an honest review. If the book provides value, please take five minutes to leave a review on Amazon. Reviews help other entrepreneurs find the book and make informed decisions about whether it's right for them.

3. Share with someone who needs this message. We all know people who are talented but struggling because they're depending on a single income source. If you know someone who could benefit from these frameworks, please share this post or send them the Amazon link.

What's Next for Me

Publishing this book feels like the completion of one chapter and the beginning of another. I'm planning a book tour (virtual and in-person) to share these concepts with even more entrepreneurs. I'm developing advanced implementation programs for people who want deeper support in building their multi-stream portfolios. And I'm continuing to build my own businesses using these exact frameworks.

But honestly? Right now I'm just excited to get these ideas into your hands and see what you create with them.
 
A Personal Thank You

To my social media family who has supported this journey from the beginning—THANK YOU. You've been part of testing these ideas, refining these frameworks, and creating the community that makes this work meaningful. Many of the strategies in this book exist because you asked great questions, shared your challenges, and celebrated the victories along the way.

This book is as much yours as it is mine.
 
Ready to Build Your Multi-Stream Empire?

The frameworks are ready. The roadmap is clear. Your multi-stream future is waiting.

Get "The Multi-Stream Mindset" on Amazon Kindle →

What questions do you have about building multiple streams? Drop them in the comments below—I read and respond to every single one!







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Though I do not consider myself a financial expert, I've learned a lot of savvy ways to save throughout the years. My biggest advice is to start slow, you will not be able to chase every deal. Make sure to do what makes sense for you and your family. Also, know that a lot of deals come back around, and start slow. 

40+ Ways You Can Save Up To $1000 This Year

Amazon Prime
  • Monthly free books
  • Amazon Music
  • Prime TV
  • Credits when you don’t do two-day shipping
  • Memberships pay for themselves. Because you’re not spending more to get free shipping.

Buying Cycle

It’s very important to know the best times to buy certain electronics, appliances, and home furniture. (consumer report.com) I've found awesome deals during the holidays, summer months, and of course Black Friday. 


Travel

  • Costco Travel (overall has the best rates, make sure to use eBates prior to checkout) Typically Costco will have bonuses that will make the offer better than other sites. 
  • Delete cookies prior to doing your search online each prior to visiting the sites.
  • Kiwi- This app is great for showing you the best time to book your flight for travel.
  • Expedia is a great resource, and you can also earn rewards for being a member.
  • Hotel is a great resource for last-minute hotel deals. 
  • AAA offers discounts at a ton of hotels, always make sure to compare the rates from the hotel site first. 

Stop buying to just buy

I know I love a good sale. However, if you stop buying stuff because it’s a good price you will really save yourself a ton of money in the long run. 

Entertainment/Restaurants

Groupon and Living Social to get discounted rates on activities or restaurants. Try to avoid email updates just to avoid spending more money. Only shop when you actually want to purchase something. A lot of stores offer gift cards when purchasing them through the stores (i.e. Bj's and Walgreens) these are discounts typically for chain restaurants. A lot of people also purchase gift cards for Disney as well. 


Books

Buy books from your local library. If you go online it is easier to buy books from different libraries if your library doesn’t have the book. Some libraries have budgets to purchase books that residents want to read. 

Gas

  • Tires-Make sure your tires have the appropriate amount of air in them.
  • Speed limit- Once you go over 60 mph you burn more gas.
  • When to pump gas?-Early in the morning. Try to avoid pumping gas when the gas is being filled. 
  • Use the app Gas Buddy to check rates
  • A lot of grocery stores like Bj's offers gas discounts, this is a wonderful time to stock up on your every day buys, and save at the same time. 

Save on Home Energy Costs

Unplug items you’re not using-Having electronics plugged in a wall still, uses energy. when not using the electronics unplug them.

Laptop vs Desktop

I know for some people you may have a preference when completing work. However, reach for your laptop instead of your desktop. A desktop computer uses more electricity.  

DIY

Make your own Laundry detergent-I started making my own Laundry detergent for several years now and it has saved me a ton of money. (You also might want to check out this post here)

Dishes

  • Air-dry dishes instead of using the dryer on your dishwasher
  • Try to avoid using cheap dishwashing liquid that will end up costing you more in the long run because you’re using more of the product. Dawn is one of my favorite affordable dish soaps. 

Washer/Dryer

Knowing when to wash/dry your clothing and run your dishwasher. Most electric companies have different rates for different times of the day. For example, the best time for me to run my large appliances is Monday-Friday 7 pm -7 am. Do a quick Google search to see when the best time is with your energy provider. 

  • Wash your clothing in cold water.
  • Air dry your clothing whenever possible. 
  • Add tennis balls (or purchase the dryer balls) helps the clothing dry a lot faster. 


App Love

Receipt Pal-With this app you’re able to scan receipts to your phone and earn points which in return you can earn money or gift cards.

Rakuten (for in-store and shopping online)
Shop at Home-Shop at home is similar to Rakuten however, check the percentage off daily to see which will be the best choice for that day. 
Top Cash Back- Top Cash Back is similar to Rakuten and Shop at Home. However, they all typically vary with the amount that they are giving back. 

Target Cartwheel

When shopping at Target always have your cartwheel app handy. You do not have to worry about clipping coupons. You can also use the extension Honey to assist with shopping online to apply the best coupon code that’s available. You can always do a google search on your own. Target also offers random coupons, via mailers and through their app as well. 

TV Shows/Movies

Netflix 
Prime Movie 

(Some cell phone providers offer free streaming services. )

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I’ve been a homeowner for 13 years, and boy has so much changed, I purchased my home a couple of months before the market crashed, which unfortunately there were a lot of stipulations put in place with refinancing a home in my circumstances.

I honestly wanted to refinance my home like many people a year after purchasing it. However, 13 years later. Here we are! I’m so thankful for this process, and what I’ve learned along the way. Below, I’m sharing Must-Know Tips for Refinancing Your Home

Must-Know Tips for Refinancing Your Home

Waived Fees
Always ask if any fees can be waived, all they can say is no.

Shop Around
Shop around for different rates, there are so many people offering amazing rates right now.

Rates
When comparing rates, make sure that they are identical. Some rates have points associated with them.

READ
Read, READ, READ, I can not stress enough to read all of the documents you’re signing, and ask questions if you have any.

Handy
Have all the necessary documents handy. Pretty much the same things you needed to purchase a home.

Reply ASAP
If your lender or underwriter or anyone that’s assisting with your application has a question, respond to them immediately. Delay in responding, can delay your closing.


Have you refinanced a home before?




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Growing up my parents just really didn’t have any clue about the money they didn’t have a plan they would just spend to spend. I, however, knew when I was old enough that I really wanted to learn and try to master what to do with my money and where my money was going. it’s so easy to come up with so many excuses as to why you are not meeting your financial goals. But I’m more so look to find results. The tips am sharing with you today our tips that I use on a regular basis if not daily basis to help me with executing my financial goals. It's so important to get started somewhere, start small and don’t overwhelm yourself with taking on a project that you’re not mentally financially physically ready for. I always encourage my followers and readers to create a plan for themselves and when they have that planning create weekly daily monthly yearly goals.  

Money Management Tips


Note
Know Your Money Priorities. Before budgeting, you need to determine your priorities. ...
Determine Your Monthly Pay
Whether your freelance writer or a corporate America or executive. It’s so important to know what your monthly take-home income is sit down and write down your monthly income if you're income varies from each month right down the lowest income that you had in the last 12 months.

Track What You Spend 
It’s so important to know where your money is going. Track where you spend your money, do you spend your money mostly on frivolous items? do you spend your money mostly on travel do you spend your money mostly one bills? figure out what you spend your money on. 

Have a Plan – Any Plan
My favorite quote is "a goal without a plan is just a wish" have a plan, any plan know where you want your money to go how you want to spend your money and wherever your money in the next year's months or even century.

Stick to the Plan
It’s so easy to create a plan but it’s also so important to stick to the plan and what you create for your money. What I typically do is on a weekly basis is always review my plan to ensure that I'm on the right track. Don't just create a plan. Actually, implement your plan as well. 

Expect Emergencies
Whether you’re a homeowner or have children, expect emergencies and plan for them. It's so important to have an emergency fund, and plan. Your goal should be to create an emergency fund and save at least 1K. 

Save Early and Often
The holidays just past is never too early to save it is so important to save often one of the first things that you should do is pay yourself first when you do receive any type of money and when I mean by paying yourself first I mean save. For some, it's easy to have multiple accounts and deposit a small amount in those accounts on payday, some prefer to only have one savings account. Do what works for you. 

Take Advantage of Free Money
So many banks have so many great incentives for open an account figure out if that’s the best route for you also look into your current bank interest rate could you start a new account with another bank and receive more bang for your buck?


Do you have any money management tips? 


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Whether you are a personal finance pro or someone that's on a debt free journey. I compiled a list of some of my favorite blog posts to assist you with saving money this year. Growing up my parents had no clue about personal finance. They never had credit cards, had poor spending habits, and the word budget never was said in my home. I've always had an interest in personal finance. I honestly believe I missed my calling as an accountant. I love playing with numbers. 
I can't remember what year it was, but I had gotten tired of my financial situation. I had thousands of dollars in student loan debt. I worked in underpaying field, and I overextended myself to friends and family financially. Their financial problems became my problem because all of wanted to do was help them. Not to mention my son was getting older. I wanted to educate him on making responsible financial decisions. I wanted to lead by example and create a strong financial education foundation for me. I wanted to teach him early how to say no to friends and family, and to not take on the burden of other problems. I didn't want to teach him just the negative side of credit cards without sharing and educating him on how credit card companies make their money. Though this process did not happen overnight. Taking baby steps to assist me with reaching my ultimate goal sure has. Below, I'm sharing 10+ Blog Posts That Will Help You Save Money. These are tips that I personally use to this day on a daily basis.

Do you have any money saving tips? 



10+ Blog Posts That Will Help You Save Money

  •  Ways to Earn Extra Money 
  • 40+ of My Money Saving Secrets to Save Your Thousands a Year
  • 5 Apps That Will Save You Money This Holiday Season
  • $5 Money Challenge 
  • 10 Simple Way to Save Money 
  • How to Save 1K Fast
  • How to Afford to Travel When You're Broke 
  • 18 Frugal Things I'm Doing to Save Money in 2018
  • 10 Ways to Save
  • How to Save Money on Laundry
  • Tips for Surviving the Summer With Teens
  • How to Save for Expensive School Trips 
  • 5 Must-Know Disney Tips & Hacks 

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One of the ways that you can quickly save is learning how to do things yourself. There are so many amazing resources out there from YouTube to Pinterest. Below I'm sharing a couple of things I do myself to save money.

My Own Hair
I have to be honest. I'm actually a licensed has a dresser. However, way before becoming licensed. I still do my own hair. I have a lot of money by doing my research learning my hair and putting to work the techniques I've learned.

Nails
When I was younger, I lived for going to the nail salon. Not sure when it happened, but I quickly learned that I really enjoyed doing my own nails. I save thousands of dollars a year by down my own nails. Occasionally, I purchase items to add to my manicure kit, and I would like to switch over my nail collection to more environmentally friendly products.

Lattes
As much as I love a good latte, I make mines at home. It really helps that one of my favorite big brands is not within walking distance to my home. I love the convenience of making my own lattes. They only thing I do not own is a frother. However, I do own an immersion blender which does the trick and I recently own a french press with made frothing milk a breeze.

Cook
If you haven't noticed, we really don't go out that much, and that saves us thousands a year. I typically cook all of our meals. Of course, we have our occasional date night, and celebratory restaurant trips. However, for the most part, we cook at home.

What are some ways that you save money? 


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Target is hands down one of my favorite stores to shop at. I've been shopping at Target since the early 2000s. I remember it like it was yesterday the first time I stepped into a Target store. Everything about the store I love and I adore the changes that they've been making lately. Over the years I've learned from trial and error ways to save.

Money-Saving Tips for Shopping at Target

ibotta App
The ibotta App is a wonderful resource for saving money. Whether the items are on sale, you can search and scan the time on the ibotta app to see if the item is on sale.

Shop Clearance
Target marks down items on a weekly basis. My local Target typically markdowns up to 70% off. During the holidays it's up to 90% off. Of course, theirs, no guarantee that the items that you want will stay in stock long enough to be marked down.

Sale
Target changes its sale items each week on Sunday. It's such a great way to save on everyday items that you love.

Bring Your Own Bag
Target gives you five cents for each reusable bag you bring. You're saving money while protecting the environment.

Cartwheel
I'm in love with the Cartwheel app. The CartWheel app was launched a couple of years ago. One of my favorite features is the coupons and discounts on the app. You simply have to search or scan the barcode to see if they currently have any offers or if the product is on sale.

Price Match
This is something I have a ton for myself and I've saved so much money over the years. Make sure to check the price matching policy. I've learned that depending on the time of year Target does not price match. I believe one of the times that they do not offer price matching is during black Friday.

Do you shop at Target? 




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Personal finance is a topic that is near and dear to my heart and is a topic I've taught professionally for many years. I'm always interested in learning ways on how to improve my spending and saving habits and learning about various to improve my techniques. With one child in college and another headed to college in the coming years, personal finance is so important to me. Especially if I'm trying to lead by example for my children. I've learned over the years about so many simple techniques that you can include in the daily routines that can save you thousands a year. I've also learned that it's so important to start off small. It's so easy to get overwhelmed with this process that a lot of times people just give up because they bite off more than they can chew. Start small, maybe each month you add a new app to your routines. Instead of starting with a budget binder. Perhaps you use a budget sheet instead. Trust me, when learning something new it takes time. However, if you incorporate these items, in your daily, weekly and monthly routines they will naturally become a habit. Though I've taught personal finance, my finances have not always been perfect and there has been a lot of trial and error for me. It honestly took me to the point of being sick and tired of my financial situation to start making improvements, and it honestly started with me just saying NO. Once I learned to say no, my finances changed drastically. I was adding others financial stress to my own. I love the analogy of putting your own oxygen mask on when on the plane (if needed). How can I help others if I'm drowning myself in debt?! The light bulb went off, and from that point on. I learned that I have to take care of myself first...Though, everyone's financial state is different. I hope you're able to find helpful tips from these blog posts. Whether you're a Suze Orman or Dave Ramsey fan.

PS: To kickstart the new year. I'm hosting my first giveaway. Information below.

How to Save Money: 10 Blog Posts You Need to Read 

  • 40+ of My Money Saving Secrets to Save Your Thousands a Year
  • $5 Money Challenge 
  • How to Save 1K Fast
  • How to Afford to Travel When You're Broke 
  • 18 Frugal Things I'm Doing to Save Money in 2018
  • 10 Ways to Save
  • How to Save Money on Laundry
  • Tips for Surviving the Summer With Teens
  • How to Save for Expensive School Trips 
  • 5 Must-Know Disney Tips & Hacks 

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Giveaway Details 

(This giveaway is open for 3 days)
1 winner plus their friend will win a #SweetSpotLabs prize pack
** Open to the US & Canada ONLY **

Enter to win with Rafflecopter 


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This post contains affiliate links 




I’m often asked ways that I save and as you guys know. Today I'm sharing my tips and tricks with you.

10 Ways to Save

Game Night At Home
Host a Game night instead for going out. You can easily borrow games from friends and family or sell the games that you currently have and are no longer using to purchase new ones.

Used Books
Get Books from Your Local Library or Have share/swap groups with friends/ family. If you have to purchase, purchase used. I’ve found a ton of books at the thrift/consignment shop.

Cancel Memberships
Workout at home instead of going to the gym (YouTube has a ton of workout videos as well as your local library)

Use cash-back apps when purchasing items
 (My Favorites are Top Cash Back and, eBates)
I always use cashback apps when purchasing online and instore. The cashback amount changes daily and they usually offer cashback with almost every store.

Rebates
Use rebates when they’re offered. For instance, for the last couple of years, Bear paint offers rebates Memorial weekend at Homedepot. If I typically need to touch up paint around that time of year for our home. I’ll purchase the paint when they have the rebate offer and save money.

Purchase on Sale 
Most stores have the same sales each. When menu planning. I prefer to menu plan for the month. It gives me a pretty clear view and opportunity to buy the items that I need when they’re on sale.

Research
Do your research it’s so important to do your research. I always do a quick google search prior to making a purchase. For instance, for Father’s Day, my Dad wanted a specific hat. I did a quick Google search and found that same hat on Amazon cheaper buy almost $20.

Sign up for Newsletters 
If you follow me on social media I gave this tip on my social media pages. Sign up for all of your favorite store's newsletter. The Mister wanted something specific for his Father’s Day gift. I wasn’t signed up with the store that I purchased the item from. I signed up with their newsletter and saved over $20 with my first purchase. I was going to make the purchase regardless.

Credit Card Cash Back
(I’m all for using credit cards if you use them responsibly and pay off the entire balance immediately or when the bill arrives. If you struggle in this area skip this option. ) As I prior mentioned the gift I purchased for the Mister also had a cashback offer with my credit card company. I believe I saved $30. I also received points for the purchase as well. These offers change all of the time with credit card companies. Prior to going out shopping or out for dinner. I always check to see what current offers they have.

Quality over Quantity 
Last year I switched antiperspirants. Honestly, it took me forever to make the change. I even did a review on this product on my YouTube channel and also wrote a blog post about it here. This deodorant was three times the cost of the deodorant that I was currently using and honestly, I believe that I’m actually saving more in the long run and the environment at the same time. Because I don’t have to reapply my deodorant throughout the day. I Apple it once. Of course, this changes during the warmer months when I take more showers throughout the day. However, sometimes we think because the upfront cost is pricey that we’re not saving when we’re actually saving in the long run.

Do you have any money saving tips?

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If you follow me on social media. I’m pretty honest about my student loan debt and I’ve recently embarked on a debt free journey. I always feel a little weird about the topic because I take my bills serious. I’m one of those people who try to stay on top of their bills and be mindful of the items I’m purchasing.
To be honest, I think that I’m frugal at heart though. Since I was a little girl I would shop the clearance racks and save the money I made from babysitting. When I became a young adult and started to live on my own. Not really sure what happened. I hated balancing my bank book. I just hated it. When I got serious about my debt free journey. I knew that it was important to really pay attention to my spending habits. What I was spending my money on.
It’s also very important to know how much money you have. Thus a no-brainer for budgeting my checkbook. It wasn't an option for me anymore. It was mandatory if I wanted to be serious about this journey. 

Back History 


When I was a young adult. I honestly didn't know how much money I had in my account. My account was always in the negative (in my early twenties prior to having a credit card). Once I ventured into having a credit card. I started to pay attention and ran into a couple of hiccups due to not knowing my wants from my needs.
However, last year, I decided it was time to pay off my student loans. I don’t want to have students loans forever. I’ve been a fan of so many financial advisors like Suse Orman and Dave Ramsy for years. I’ve read several of their books and found myself eager to make better choices. However, not taking any actions. I wanted to start with the issues I was having and where my money was going.

The Problem  


A couple of years ago, I noticed that I had a hard time telling my family NO. The money and items I was giving them really added up and I was sick and tired of it. It was money that I could put to my debt. When I started to say no more. I started to see peoples true colors. However, I didn’t care or take it personally because I was on a journey to better myself.
I also started to look back and noticed that I’ve been out of graduate school for almost six years now and I haven’t made any major dents with my student loans and I honestly have no excuse. I would see the debt-free community and I would get so inspired.
People making the same amount of money as me, tackling their debt, paying off student loans and even their home.


The Plan 

Though I have a payment plan. I try my best to throw “for lack of better words” whatever money I have on my student loans. Even if it’s $10. Yes, I’ve made $10 payments. Because every little bit counts and I found that you have to tell your money where to go. But you always have to have a purpose/place for your money. If you get $200 dollars today unexpected. What are you going to do with the money? Go shopping, pay off debt, save it make a principal payment on your student loans or mortgage?” When you have no idea what you’re going to do with the money. That’s when the problem starts or at least that’s where the problems started for me. I would get money and make poor decisions with it. Let’s be honest the possibilities are endless when you're not making the right choices... Though I'm still new on this journey and I still have a lot to learn. I'm thankful for all of the motivation that has come my way and the success stories of people getting out of debt. I honestly believe it's a mindset. I told myself for so many years "oh, you're a single mother making "X" amount. You can't afford to save for retirement. etc. That's the type of mindset that gets people nowhere. I don't want that to be me, that will no longer be me. Taking small baby steps but I'm excited about this journey.


Are you currently on a debt-free journey?


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Financial literacy and frugal living is a passion of mine. Each year I try my best to make personal cuts in my living style. Learning my wants from my needs and also learning just because I can afford something for my children doesn't mean that they need to have it. Today I'm sharing 18 Frugal Things I’m Doing To Save Money in 2018. A lot of this is stuff that I am already doing and plan on implementing more in my lifestyle.

Meal Plan
Meal planning saves me and my family a lot of money. One I'm not ordering out as much and we also have the items that are needed in our home which reduces that amount of time that we're at a grocery store.

Shopping List
Going to the store with a shopping list and only purchasing items on your shopping list. Eliminates overspending and purchasing unwanted items.

Crockpot Life
I did some research and found that a crockpot actually saves on your electric bill because of course, you're not using an entire oven. My goal is to make at least one crockpot meal a week.

Groupon for Dates
I never paid attention until recently. However, Groupon has some really great sale offers if you're paying attention to your alerts and emails. Combine a great deal with cashback with eBates and you're saving even more money. My goal is to also watch how much money we're spending on purchase dates as well and to not just buy because of the price if that makes any sense. Last year we took advantage of some really great deals one being our trip to a local brewery. It was a great deal and out of the norm of what we typically do.

Going out for Lunch
I've learned that most cases, lunch is mostly a lot cheaper than dinner options at our local restaurants and we actually save a by going on dates during the day. Is this ideal all the time? No, however, most restaurants offer lunch specials on the weekends as well and our favorite restaurant actually gives great lunch portions.

Flying Budget-Friendly Flights
I know this is not for everyone and not ideal for every situation. However, last year I took my first basic economy flight with United Airways and the price difference was huge. Let me say that I'm team carry on. So in most cases, this works out for me.

Make Homemade
Last year I really tried to focus on creating more homemade meals. Since I eat mostly a plant-based diet. I typically make a ton of desserts, pie crust, and snacks homemade. It's great because I know first hand of what's going in my food and I have more control of the sugar content.

Use Cash Apps
As prior stated, I'm a huge fan of Cash Back apps and my goal is to use them whenever it's applicable. Some of my favorite apps are Top Cash Back, Ebates, DOSH, and Ibotta.

Plan Ahead for Holidays
I am big on planning ahead for the holiday. and it's never too early or too late for you to start too. I want to get better at actually making and budgeting for the holidays in advance no matter how big or small it may be. I found myself. A little last minute with my gift for Michael this year and I could have actually made the gift weeks in advance since I had everything on hand. I also would like to make more DIY gifts in advance, because once the largest holidays come around I typically get really busy and the projects never happen.

Air Dry Clothing
I love air drying my clothes. Of course, it's a lot easier during the warmer months. However, I'm learning to airdry what I can during the winter time and I've been really impressed with how well I've been doing.

Starting a Garden
For the last couple of years, I've started a garden. I try my best to start a garden indoors. However, I typically forget to water the plant. This year I plan on adding more items to my garden and actually starting in advance. I already purchased a couple of items and I can't wait to get started with it.

Amazon Prime
This is actually my second or third year as a prime member and I actually love the service. I have Prime Music which I love and it's nice to get the items shipped two days or receive a credit if I don't need rush shipping. The two-day shipping really comes in handy, especially during the holidays.

Created/Maintain A Routine
During the fall/winter, my routine has been all out of wack and I really miss having a daily routine. What I love about routines is that it actually keeps you on task and your time and money are accounted for. I have a schedule and a to-do list and know what I need to get done. I know what I need to work on next and what I'm making for dinner. I know what time I want dinner started by because I have a routine. It's not perfect. However, it helps me a lot with staying on task.

Homemade Gifts
This year I want to focus more on personalized homemade gifts. I have a silhouette machine and I need to use it. I did such a great job in the past years making personalized homemade gifts. I have to get back on track with making them and actually setting time aside to create them

Stock Up on Sales
I think I'm the self-proclaimed queen of sales. However, I have to get in the habit of stocking up on items that we use on a daily basis. I know the items that we need to keep on hand and typically run out of on a regular basis. Like spaghetti sauce, stuffing, pasta, and cream of chicken etc. Why pay full price when the items regularly go on sale.

Use a Toaster Oven
Last year during Black Friday. We invested in a toaster oven. I'm so happy that we did. I believe we paid under $20 for it. It's not high tech or anything. However, it does the job and it makes it so much easier when making small portions that require an oven.

Wash After 7:00 pm
I learned a couple of years ago that the electric rates change during the day. I also learned by washing after 7:00 pm at night that I could save money. I typically don't implement this as much during the warmer months. Because I'm typically air drying our clothes. However, it really comes in handy during the winter months with having to use our water and dryer a lot more. I would defiantly check with your electric carrier to see if your rates change.

DIY More
I am all for DIY projects around the house and one of my goals is to learn more about doing DIY projects that are typical for homeowners to do. One of my goals is to put down laminate flooring in our living room and dining room. It's not a huge space and it would be nice if we could complete this task in our home.

What are some ways you're planning on saving in 2018?


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As a mom, I'm always looking for legal ways to earn extra money. I remember when I was a preteen and I had my first babysitting gig. It was so much fun. I had no idea how good the money was until I became an adult. Years ago I would take surveys to earn a couple of dollars here and there. The survey company I used still do surveys. However, now they have a cashout limit where before they used to send a check by mail every time a survey was completed. Which was really cool, especially as a single mom. That money really came in handy. Today I'm sharing 7 Ways to Earn Extra Money. I am only sharing sites and companies that I use and love. This is the perfect opportunity to pay down some debt, save or even use the extra money to travel with.


7 Ways to Earn Extra Money

Poshmark

I started using Poshmark a couple of years ago. I had just attended a consignment dollar sale. Actually, a couple of dollar sales at my local consignment store and me being me. I picked up any ole thing which led me to have a ton of clothes that I didn't want or couldn't even fit. I learned about Poshmark that fall and started to list the items that I no longer wanted. This eventually started to turn into a part-time gig. I love being a re-seller. Something about the joy of finding a diamond in the rough that makes it so exciting. For those that are new to Poshmark. They pretty much do everything for you. All you have to do is list the item. They'll send the shipping label to you by email and all you have to do is print it out. You can even order the priority boxes online or go to your local post office and they're free. You don't to worry about calculating shipping. Just package and mail! ( Sign up with code MSCEO to save $5: Poshmark )



Dosh


Dosh is new to me. However, I am so in love with this platform already. You can pretty much save at all of the places you don't typically get to save at with Ebates and iBotta. I was in love with this app when I realized that I could receive cash back for shopping at Savers! I love that you can save at the typical places like hotels and restaurants too. Dosh also has a $5 bonus when you link your cards to the account.
eBay

Though Poshmark is my favorite reselling site. Ebay is my second favorite. I typically will cross-list on Poshmark and Mercari, and eBay. I know, it sounds like a lot. I love that you can pretty much sell anything on eBay. Which, is pretty cool. My least favorite part is the shipping. However, you can invest in a food scale or shipping scale and it makes the process a lot easier.
Ebates

Has a special place in my heart. I've been using eBates for the last couple of years and it really comes in handy especially after the holidays. I actually just received my latest check mid-February which was super cool. Though you get paid quarterly. It's a great way to earn cash back for items that you normally buy.
TopCashback

I found out about TopCashback a couple of years ago. Though when I originally signed up I wasn't an active user. I honestly have fallen in love with this site. Most occasions, TopCashback has better rebate offers than Ebates. What I love most about this site is that they actually run promotions. They had a ton of promotions during the holidays. One of my favorites was when they offered cash back if you made an online purchase before a certain day/time. Can we say? Yes, Please! Who doesn't love free money?!
ibotta

I've been using ibotta for a couple of years now and I love that I can cash out at $20. This is a great incentive because I'm getting paid for purchasing items that I would normally buy for my household or self. I love that this app also offers online and in-store cashback offers and they also run promotions. ibotta gives payouts at any time once you reach the $20 minimal at some of my favorites stores like Amazon and you can also cash out with PayPal.

Surveys


I've only used one company for paid surveys and that's Pinecone Research. There are a ton of survey companies out there so do your diligence. This is a wonderful opportunity to earn extra money. Did I earn thousands of dollars? NO, however, it helped with groceries, gas, lunch etc. I think sometimes people get caught up on "oh, It's only X amount." Which is fine. However, if you can use a couple of dollars and you have the time. Why not? What are some of the ways you like to earn extra money? 

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With the busy holidays fast approaching. I love sharing tips with my readers with apps that I’m using on a daily basis to save money. I know there are a ton of apps out there. However, I only share the apps that I know, love, and use on a daily basis. I’ve saved so much money using these apps, and they’re super easy to use.


Ebates

I use Ebates anytime when I shop online. I just received my latest check in the mail the other and it was a great reminder of why I love using this app. I also love this app that if you’re shopping and have your cart filled and remember mid-shopping that you forgot to use the app. You can still click on the app and your items will still be in the shopping cart. This happens to me all the time. Ebates sends checks quarterly or you can opt to receive a gift card from your favorite store.


Groupon

I love using Groupon. It’s perfect for options especially at the last minute for those picky shoppers. I also love it because if you forget to purchase something for someone on your list. You can easily purchase an item or a restaurant voucher. I always try to give people the gifts that I want and I love using Groupon. It’s the perfect way to learn about new restaurants as well. I’ve found some of my favorite Sushi restaurants that I use without a Groupon on Groupon.

Target Cartwheel

As many of you know that I’m a Target addict. I love Target and I was super excited about the Cartwheel app when it was first launched. I remember going to the store and some of the cashiers didn’t even know about the app. Yes, I’ve been using this app for years. I love that I can walk into the store and scan an item or search for an item using keywords to see if the item is on sale. What I love about this app is that it tells you the dates until the offer expires. You can also plan your trip prior to going to the store which I love in case you want to plan ahead.


Ibotta

I love the Ibotta app. They have so many stores in this app. I love that you can connect your loyalty card and you can also use it for mobile purchases. How cool is that? I use this app throughout the year, especially during the holidays. You can even use it for your mobile purchases with Groupon. I love checking to see what are the latest offers prior to shopping online or going to the store. You can really save a ton with the Ibotta app.

Receipt Pal

Receipt Pal is one of my favorite apps to use. You receive cash or gift cards for submitting your receipts. With all that online and in-store shopping that you’re going to have. Why not get money for submitting your receipts? When I’m doing shopping one of the first things that I do is scan my receipts to Receipt Pal. I love that you are given a certain amount of slots a week to submit your receipts and you can also submit receipts for online purchases. What I also love about this recipe is that you have the entire month to submit your receipt. Which is perfect in the event that you immediately don’t submit it.

What are your favorite money-saving apps? 
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Last year I had to purchase a new car. And trust me it was one of the hardest decisions that I've had to make. My first adult car was purchased from an amazing dealership with very low miles. However, I purchased the car because I thought it was a great car and did very little research on the car. This time around. I was not playing any games. I knew what type of car I wanted prior to going to the dealership. I knew that I was not going with a car for “keeping up with the Jones”. I was actually getting a reliable car that had amazing reviews. Today I wanted to share with you some amazing tips to get the most bang for your buck. Even if you’re not in the market to purchase a car today. Save these tips for future reference. 


Search Online

When purchasing a vehicle I always search online first. I love using cars.com because it does the bulk of the work for me. I can do a really general search and see what cars are on the market or I can do a specific search by using the toolbar. For instance, If I was looking for a Subaru sedan for under $30k. I can put in the information and Cars.com will filter through all of the vehicles in their data base for me. I love that Cars.com also includes reviews from real owners. This is one of the many reasons that I love using this site.


Budget

I can not stress to have a budget prior to going into a car dealership. I know it’s super easy to go to the car dealer with a budget to purchase a Dodge and walk out the dealership with Lexus. I get it. Many dealerships will give you a better deal if you finance through your own bank because to them it’s the same as purchasing with cash. Get approved prior to going to the dealership and make sure it’s an amount that you’re comfortable with and not approved for. You don’t have to max out the limit of money that your bank offers to you even if they can work out the monthly payments to be lower and stretched out to five years. Think about it. 

Price

The biggest mistake you can make is not asking for a lower price. When I purchased my car I called the dealer after seeing the vehicle and asked for a very specific amount to be taken off of the vehicle price. The dealer agreed to the amount and it was a sigh of relief because I was in love with the car. Even if he had said no, at least I would have tried. I went to many dealers prior to the dealership that I purchased my car from and some were unable to negotiate the price. It’s a part of the buying process. If you’re not in a rush to get the vehicle wait a couple of days after seeing the vehicle to see if you can negotiate the price. 

Warranty 

This is probably one of the most important tips. Not knowing your cars warranty policy could potentially cost you thousands. When car shopping, one of my first questions is inquiring about the warranty on the vehicle. This is something that you can ask over the phone as well. I left with a copy of the warranty for my vehicle to read over.  You should ask how many miles does the warranty last for? Is the warranty mileage and/or an actual expiration date? What does the warranty include? Do you still have to pay a fee? Thoroughly read over the warranty and ask questions if you need clarification. If the warranty that does not meet your expectations can and should be a deal breaker. Only agree to what you’re comfortable with. 

Car buying doesn’t have to be a scary or daunting process. Follow these simple tips to become a car buying rock star.

Do you have any car buying tips?

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