Fall Fashion with Style Encore

If you’ve been following my blog since summer, you’re likely to remember that I fell in love with the Personal Shopping Experience offered by Style Encore. Style Encore is a local consignment store specializing in name brand clothing and accessories. They sell everything from Michael Kors blouses to Tory Burch shoes and Kate Spade purses, among many other brands. All are in barely used, great condition — I have purchased several items with the original tags still attached — and all are sold for a fraction of their retail cost!

I love fashion, but I actually hate to shop. I don’t like fighting crowds in busy department stores. I don’t like combing through racks searching for a style that I really am not sure even exists. If I do find something unique, I never know if it actually looks good on me. I do like the idea of boutiques but the prices are a big turn off. It’s hard to be a fashionista with all of these negatives in my way.

That’s why the Personal Shopping Experience is perfect for me. Style Encore reminds me of a boutique, only better with really great prices. Everything in the store is “one of a kind” since the items are purchased piece-by-piece from many individuals throughout the year. The store isn’t overwhelming in size. And I don’t have to fight the crowds or search the racks! The ladies at my local Style Encore in Winston Salem do that… and cater to me like I’m a celebrity. With a keen eye for current trends, they style numerous outfits in advance and I just show up and try them on! The best part is that I’m assigned a stylist who will give me her honest opinion. No more second-guessing the fit alone.

A Personal Shopping Experience will be perfect for you, too! This is a FREE service offered by Style Encore. Whether you’re looking for a specific outfit for a special occasion or whether you’re like me and just love seasonal updates to your closet, you should consider being styled at Style Encore. Going on a cruise and need cute dresses? Starting a new job and need business attire? Just started a new relationship and need some great date-night pieces? No matter the reason, the Personal Shopping Experience is your must-use styling service!

If you live in or around the NC Triad, you have two location options: Winston Salem and Greensboro. If you live elsewhere, click here to find a store near you.

Here’s how the Personal Shopping Experience works:
1. Stop by Style Encore to pick up a Style Guide (or give them a call, they will email it to you!)
2. Complete the style guide and return it.
3. Schedule your Personal Shopping Experience.
4. Show up and have fun trying on everything!
5. Don’t bother trying to narrow down your options. Their prices are too good to be picky!

Below are photos from my Fall Personal Shopping Experience. I am including three of my favorite outfits, and a summary of my purchases.


When you buy or sell clothing to Style Encore, you receive a punch-card. For every $10, you receive a punch. After 20 punches, you receive 20% off your next purchase. I used my punch card on this purchase and saved $46.

Old Navy blazer $10
Mossimo blouse $6
LuLaRoe skirt $12
New Direction shoes $12
Total outfit $40

The Limited blouse $12
Ann Taylor Loft slacks $13
Vince Camuto shoes $18
Total outfit $43

Jennifer Lopez blouse $13
Joe Fresh jeans $9
Naturalizer booties $18
Black necklace $8
Total outfit $48

All of the prices above do not reflect my discount. My final purchases were 18 pieces for $231. After my 20% discount, I paid a grand total of $185. That’s roughly $10 per item! And I received 18 punches on a new card. Over the course of the next couple of months, I should be able to sell back at least $20 worth of clothes so that when it is time for my Spring Personal Shopping Experience, I’ll have another 20% to put toward a new wardrobe! Win-win.

So what are you waiting for? Contact Style Encore for your Personal Shopping Experience today!!

I was not compensated for this post, and it contains no affiliate links. All opinions are my own and not influenced in any way. 

Go Cubs, Go!

Congratulations to the Chicago Cubs for winning the 2016 World Series. Breaking their 108-year long wait to capture the Commissioner’s Trophy is a really big deal.

My friends and I like to think we had a little something to do with it since we caught a game back in May. Maybe we’re lucky charms? 🙂


If we are lucky charms… I hope these ladies will join me for a game out in LA in 2017. I sure would love to see my Dodgers go all of the way next year!!

Slow Cooker Creamy Chicken & Rice Soup

There are days that I plan to blog about food, and I do a fabulous job capturing beautiful photos in the kitchen. Then, there are other days that I quickly throw something together and regret later that I didn’t photograph the process with my Canon DSLR and good lighting.

Today is one of those days that I regret.

I was in the midst of juggling cleaning with crafting, and had very little time to cook. I had chicken in the refrigerator that was about to expire, and a cabbage head that needed to be eaten. It was a cold, windy day… and this quickly transpired:



  • 1lb thawed, thin chicken breasts
  • 1/2 small onion, chopped
  • 1 cup carrots, sliced
  • 1/2 small cabbage head, coarsely chopped
  • 1 tablespoon garlic powder
  • 1-1/2 teaspoons salt
  • 1/2 teaspoon pepper
  • 1/2 teaspoon dried thyme
  • 1/2 teaspoon lemon rosemary
  • 2 Tablespoons Earth Balance Vegan Butter
  • 5 cups gluten-free chicken broth
  • 1 cup culinary coconut milk
  • 3/4 cup Jasmine rice


Layer all ingredients into a 6-quart crock pot. I started with the chicken breasts on the bottom, topped with onions, carrots, and cabbage, and then added spices, rice, and broth/milk. Cook on low for 4 hours or until chicken breasts are cooked through. Rice should be done around the same time. (If not, remove chicken and allow rice to finish cooking before final step.) Shred chicken then stir back into soup and serve. Soup will thicken as it cools. Serves approximately 4.

Quick. Easy. Delicious.

Invest Hope’s Hurricane Matthew Update

I have had a number of folks ask how Hurricane Matthew has affected both Invest Hope and those living in Peredo. Our director, Ginny, recently posted this on her blog:

“David and I have talked with people in Peredo and they say it is flooded and gardens are destroyed. Thankfully, as far as everyone knows, everyone is OK.

We have had a few people ask about sending Invest Hope relief money. We are not taking relief funds specifically for the hurricane at this time. If you do want to help, we recommend donating to Samaritan’s Purse who in on ground in Haiti and already has significant relief work experience in Haiti in the name of Jesus. [Link listed below.]

Please continue to pray for the people in Peredo in the coming weeks/months as gardens were destroyed and roads washed away by water.”

If you want to contribute to Hurricane Matthew relief in Haiti via Samaritan’s Purse, please click here.

If you would like to contribute to Invest Hope’s current programs and future projects via our general fund, please click here and then click the big DONATE NOW button on the righthand side of our page.

Thank you!

Motivation Monday: Mistakes

Art school taught me a lot more than art. It taught me perspective, open-mindedness, and constructive criticism. It also taught me to accept my mistakes, to really look at them and not turn away, and how to correct them.

I never expected that the knowledge I gained in art school would be applied so often to my everyday life.  As a graphic designer in corporate American, it was my job to correct mistakes – including my own! Let me share with you my first BIG mistake at my first job out of college. It was a Y2K publication for the city’s utility division. I typeset and designed a brochure at the city’s request, to let everyone know that all of their computer systems would run smoothly on January 1, 2000. What didn’t run so smoothly was my mistake, that wasn’t caught until after thousands of brochures were printed and distributed. I had left the L out of public, not once but a few times. How embarrassing! I know I ran spell check but since pubic is a word, it wasn’t recognized as a mistake.

I was fortunate to eventually work with a team of proofreaders, who could catch mistakes like that before they were even printed. I eventually went on to work for a publisher with editors, who did not hold back to point out every little problem from the improper use of a comma to an extra space after a period. With every red mark that came back to me, I examined my mistakes closely before correcting them.

Since leaving my art career and joining healthcare, I have somewhat become the editor. I work now as an auditor, reviewing provider documentation for errors. Finding mistakes isn’t a bad thing. Imagine if we, everyone, always did everything right. The world would be stagnant and there would be little room for learning and growth.

When I meet with providers to share the results of their audit, I approach it with the same thinking – here is an opportunity to grow. I share with them ways to correct their mistakes and better care for their patients, capture lost revenue, etc.

Not all providers are receptive. Many providers are perfectionists. That isn’t necessarily a bad thing! I personally want a provider who not only strives to do their best, but cares for me in the same manner. However, many providers have always excelled in life. I imagine they were valedictorians or deemed “Most Likely to Succeed” in their high schools; they probably graduated with high honors from college. It’s just who they are. So, the thought of me… an art school grad turned auditor… sharing with them that their documentation could use improvement, is probably like a black belt being told by a swimmer that their karate uniform isn’t as white as their peers. I have had some providers so upset that they shut me off completely, refusing to change.

So, I guess it shouldn’t have been that much of a surprise to me when I recently asked a law firm to correct the spelling of my name on a legal document they had recorded for me, and they told me it was no big deal. No big deal to correct the mistake? No… they meant the misspelling was no big deal. I was floored. Was I being over-sensitive? Was I wrong to ask them to fix this? I started to question myself. Maybe I should just let this go? But the legal document was recorded under a name that wasn’t mine, or rather didn’t match in spelling, and that could cause more problems down the road.

The more I tried to justify who was right, the more I realized that – in general – humans do not like to admit that they could possibly be wrong, or that they have room for improvement. I include myself in this. Despite my education and experiences, and feeling like I do accept responsibility for my mistakes and make an effort to correct them, I am human and I’m not perfect. Everyone has room to grow in character… always.

Not everyone accepts responsibility for their mistakes, though. Not everyone wants to make an effort to do their part. If they did, would it solve a lot of problems? I truly believe it would be worth the effort to try. Take, for instance, the recent situations throughout the United States involving law enforcement and African-Americans. Instead of each party believing (and arguing) that what they have done is right, what if both saw their mistakes and worked to fix those. After all, it is easier to change ourselves than it is to change someone else. Instead of only seeing our perspective, maybe we should consider everyone’s perspective. It really isn’t that difficult to do, but we do have to make a conscious effort to retrain the way we think; to be less self-aware.

Today, I want to encourage you to rethink mistakes. If someone asks you to correct a mistake that you have made, own up to that mistake. Take control of it, analyze it, and correct it. Approach mistakes in a positive manner. Consider what you could have done better, and how you can avoid it in the future. If you find your own mistake, don’t discredit it. We learn from those too.  Change a misspelling, say you’re sorry, or simply agree to disagree and work on solution – these small acts can (and will) motivate many and provoke a wonderful ripple effect.

Life Update: September 27, 2016

Hi friends!

As you know, from time-to-time, I will post a quick blog about what I’ve been doing and/or projects that I’m planning. Usually when there is a short break in my posting schedule, that means I’m up to something.

And I’m definitely up to something!

I have wanted to get my online store ready for a while now. It has been a dream of mine for over a year, but I never took the time to sit down and make it happen. I thought the mood may eventually pass. Instead, my desire to create an online store has grown! I think it is finally time to make this happen.

I’m still writing blog posts. I have several on the horizon — some in the works with some great sponsors and some that are ready for publishing. But I am also taking some time to create art as well. I am building my inventory of hand-lettered cards and signs, typography/prints, and digital designs. I plan to launch my online store very soon (so please subscribe to my blog so that you’ll receive an email as soon as it’s open!) and sell at a few local craft fairs, too. Being an artist means so much to me, and I am looking forward to sharing my work with you soon.

In addition to my artwork, it’s running season again! (I’m an outdoor runner, and train very little during the hot and humid NC summers.) I begin mentoring on Monday with a new group of trainees who will be completing their first 5K in December. I will personally have my first 5K of the season at the end of October.

All that said, you can expect lots of blog topics heading your way. I will have some great fall recipes for you, running tips as we transition to cooler weather, blogs featuring NC Triad businesses, fall and winter fashions, and some holiday DIY projects. I’m on a mission to make this fall the healthiest and most creative yet. I hope you’ll join me!


Aleia’s {a GFAF Event Vendor showcase}

Recently, I attended Greensboro’s first Gluten & Allergen Free Wellness Event. The event was coordinated by Nikki Everett, who has been directing this educational one-day convention in other cities since 2009. I am so grateful that she decided to include NC Triad in this year’s schedule.  The event was informative and fun! As a member of their Blogger Team, I had the opportunity to chat with the vendors and speakers before the event opened to the public. Over the next couple of weeks, I plan to showcase a few of my favorites.

Today, I want to introduce you to Aleia’s.

Based in Connecticut, Aleia’s is artisan food for those of us who have to avoid gluten. Their products can be found in select stores throughout North Carolina, and online. (Aleia’s is currently not in stores here in the Triad, but they’re working on that!) Online orders of $40 or more ship free within the continental US. Their foods include cookies, stuffing, breadcrumbs, croutons, and their brand new product, a gluten-free/dairy-free crunchy coating similar to a bagged coating made popular by its claim to be a less-greasy, baked alternative to frying.


Of their products, I decided to try the new crunchy coating first.


The directions are simple and it took about five minutes to prepare. I began with three thin chicken breasts, rinsed and then drizzled with coconut oil. I opened the box, which contains two coating packets and two bags, and removed one of each. I opened the seasoned coating and placed it into the bag.


From there, I simply placed one chicken breast into the pouch and shook the bag a few times. I didn’t have to shake it vigorously; the coating covered the chicken really well. I removed the chicken breast from the bag and placed it on a cookie sheet. I repeated the process for the remaining two breasts.


I placed the coated chicken breasts into a preheated oven set at 425-degrees, and baked them for 20 minutes. The breasts that I used were thin, so the time would need to be adjusted for thicker ones. While the chicken baked, I chopped and sautéed mixed vegetables.


In less than 30 minutes, I had prepared an easy and delicious meal. Aleia’s new Coat & Crunch was seasoned beautifully – not too spicy! – and really took my typically bland baked chicken to a new level. My tastebuds were extremely happy. I highly recommend that you try Aleia’s.

You can find Aleia’s products near you by clicking here and entering your zip code, or by ordering online at aleias.com. I have a discount code (valid for online purchases only – save $1.00 on each item) that I am happy to share with you if you will:

  1. Click here and LIKE my Facebook page.
  2. Click here and LIKE Aleia’s Facebook page.
  3. Comment below that you have completed steps 1 and 2, and share with us what product you’re most interested in trying.

I also invite you to subscribe to my blog by entering your name and email address in the fields under my photo on the righthand side of the page. That way, you’ll know when my next blog will publish featuring another fantastic GFAF Event vendor!

Aleia’s is devoted to producing superior hand crafted, certified gluten free, Non-GMO and kosher products. Our commitment is to provide healthy, delicious options for living a gluten free lifestyle every day! Handcrafted and packaged in the USA in a dedicated gluten free bakery that also processes peanuts, tree nuts, milk ingredients and lots of smiles!

Disclaimer: I was given one box of Coat & Crunch Extra Crispy and one box of Coat & Crunch Crispy Spicy by Aleia’s to review as part of the Greensboro Blogger Team. This post does not contain affiliate links. All opinions are my own and were not influenced in any way. 

The Skinny on Wellness

On Monday, I blogged about confidence and body image comparisons. I spent the better part of my childhood and early adulthood battling negative self-esteem. Life doesn’t always help; society promotes a certain look, peers can be cruel, and fashion is full of lies.

Of all of my flaws uniquenesses – from frizzy, curly hair and glasses to being nearly 6-feet tall – the one thing that I have allowed to give me the most grief is being overweight. I weighed 9.5 pounds when I was born. It’s like I was destined to be, well, big. But as a child and young adult, I viewed that negatively. My earliest memory of my weight was when I started wearing hand-me-down jeans from my brother. They were labeled “Husky” size and I recall that bothering me more than the fact that I was wearing boys jeans.

I was a relatively active child/young adult. I played a lot outside, rode my bike, swam, and even dabbled in community and school sports. However, I never considered myself athletic. I was too busy comparing myself to my oldest brother and sister, who didn’t require a special size of jeans, or to classmates who were shaped completely different than me.

I have more negative memories from middle school. In Physical Ed class, we were required to wear uniforms. I remember my teacher digging through a pile of “oversized” uniforms searching for one that fit me. I stood behind her office door as she tossed above-average sizes my way as I tried them on, praying the next one would fit. I also remember a similar incident when I made the basketball team. Everyone else had jersey with low numbers, but my number was 54 because I required the largest uniform.

Let me stop here for a second and say that I was not morbidly obese. I was only about 10-pounds overweight at the time, but I was also freakishly tall for my age. Again, I was a just… big.

In addition to my weight, I also started to realize how my body didn’t perform the same as my classmates. I remember during my freshman year, we had to perform agility and strength tests… and I could not do a chin up. Not. One. By my senior year, I had stopped all sports. I had gained around 15 more pounds, and was one of, if not the tallest girl in my class. My giant-ness consumed me. I was awkward, uncomfortable, and officially self-conscious in so many ways.

I went on to have equally awkward experiences in college. I went to the beach with friends and was horrified to wear a swimsuit; something that never bothered me during my childhood “husky” phase. I continued to gain weight, so I started crash diets and taking supplements. I ended up completely wrecking my metabolism, so much so that later in life, it completely wrecked me.

I was diagnosed with hypothyroidism in my later 20s. At my heaviest, I weighed 70-pounds more than I did in high school, and could barely fit into a size 20. I would refer to my high school weight as “when I thought I was fat” and the only desire I had was to “be so skinny that I looked sick.” The way I viewed myself (and health in general) had become painfully distorted.

As my 30th birthday approached, I knew that I had to make lifestyle changes. Nothing else was working and I refused to allow myself to move into another pant size. I joined a weight loss program through work, that began to teach me about nutrition and portion sizes. The next decade of my life was spent undergoing more than just a positive physical change of losing 50-pounds. My thirties also brought about positive emotional and mental changes as well.

I still have to watch my weight — I always will, thanks to an under active thyroid, an aging body, a dislike of formal exercise, and an occasional mean sweet tooth! — but I no longer seem to struggle with it. I think I have finally learned to accept me for me. I have found confidence in my own skin, and have the wisdom to know that health isn’t, and never has been, about a body image.

Recently I had a conversation with my doctor. We both decided that, although there is room for improvement, things could be a lot worse. I’m only 11.5-pounds away from my goal weight, and I’m running 5Ks regularly. I drink 100-ounces of water a day, and I eat well-balanced whole-food meals, appropriately measured for portion control. I also keep a check on things like my blood pressure and stress levels. I’m making progress in truly becoming healthy. But it was my statement to her that she believes shows my biggest progress… “I’ll never be skinny, but I am going to do what I can to not gain weight.” In my quest to focus on not gaining, I actually started to lose weight.

Maybe that is how we should all approach life? Think about it; instead of pointing out someone’s flaws, we recognize their strengths; instead of dwelling on the bad days, we start counting our blessings; instead of verbalizing hate, we speak love; instead of  thinking the worst, we pursue the best. It could change attitudes and produce more positive outcome!

Being healthy is so much more than a weight, or a dress size, or how many jumping jacks that you can do. Total wellness includes intellectual health, emotional health, and even financial health. What is your current battle? Do you allow negative thoughts to distort your perspective? What will you choose to focus on today?

Motivation Monday: Uninvited

Rejection. Uncertainty. Negativity. Failure. Intimidation. — There are so many reasons for a lack of self confidence. I know I have struggled with confidence in the past, and I see so many others who are struggling with it too. Particularly women. So today’s Motivation Monday is dedicated to all of you ladies who are reading this and need this reminder:

“You don’t have to be accepted by others. You need to accept yourself.” – Thich Nhat Hanh

Accepting yourself and being truly happy can be a long and tedious journey. We often hold onto past mistakes, harbor grudges, and compare ourselves to others until we’ve lost complete focus of who we actually are. We allow life, particularly the unfair parts of life, to shape us into feeling less than and left out.

  • Maybe we haven’t lived up to the expectations of others, or even the expectations we’ve placed on ourselves.
  • Perhaps someone said something horrible to you, and you haven’t been able to shake their voice from within.
  • Many of us struggle with body image comparisons, and society has convinced us that we’re just not beautiful.
  • Or life has just been hard… leaving you tired, unhopeful, and lonely.

Our confidence becomes overshadowed by lies. Then we no longer accept that we belong; we believe we’re unworthy. And nothing holds us back like our own insecurities.

Ladies, it’s time to give ourselves grace… and break the vicious cycle of believing all of these lies. It’s time to hear the real truth. I invite you to join me for an online Bible study that begins tomorrow, September 6 and runs through October 16. We will be reading a new book, Uninvited, from Lysa TerKeurst, a North Carolina author and president of Proverbs 31 Ministries. You may be familiar with some of Lysa’s previous books like Made to Crave, Unglued, and The Best Yes.

In Uninvited, Lysa shares her own deeply personal experiences of rejection – from the perceived judgement of the perfectly toned woman one elliptical over to the incredibly painful childhood abandonment by her father. She leans in to honestly examine the roots of rejection, as well as rejection’s ability to poison relationships from the inside out, including our relationship with God. Lysa will help us to stop feeling left out, change our tendency to either fall apart or control the actions of others, restore our confidence through prayer, and overcome insecurities. [Excerpt from the back cover.]

I have always enjoyed Lysa’s books and the Bible studies that Proverbs 31 Ministries has offered with them. I truly believe this one will be a blessing to those of us feeling unloved… by others, and by ourselves. Together, we can take this journey to regain honesty, trust, confidence, and acceptance. You can register for the FREE online Bible study by clicking here, and you can order Uninvited on Amazon by clicking here.

I would also love if you would consider heading over to my Facebook page (click here) to LIKE it and/or follow me on Twitter (click here) so that we can chat and encourage throughout the study. Motivation doesn’t have to be limited to first Mondays on the blog! 🙂

Even if the Bible study isn’t for you, I still want to connect with you to offer encouragement and support. I want this blog to remind you to stop being so hard on yourself; stop comparing yourself to others, don’t judge yourself based on what happens to you in life, forgive yourself and others for past mistakes, let go of negative feelings that you’ve been holding on to, and focus on your strengths.

proverbs 31:25
You have the capability to regain your confidence, and you will. Accept yourself for who you are; uniquely and wonderfully you. Stop believing the lies. You are strong. You are beautiful. You are loved. You are forgiven. You are smart. And you are worthy.


I was not compensated for this post, and it contains no affiliate links. All opinions are my own and not influenced in any way.

Make EveryDollar Count

Has this ever happened to you? You’ve managed to make it to the week of your next payday. You think you have just enough money left in your account to get by until Friday… and then you remember that a coworker’s birthday is Thursday, and you’ve committed to bringing cupcakes. You opt to buy grocery store cupcakes because they’re cheaper than the local bakery but while you’re in the store, you pick up a couple of frozen meals because they’re on sale. Your small bank account just got smaller, but it’s Wednesday and you’ll be fine. And then, when you arrive home, the air conditioning isn’t work. You check your saving account, only to remember that you used $250 last month for a last-minute vacation and you barely have $120 remaining. You can’t be without air conditioning – it’s 94-degrees outside! – so when you call for a service appointment, you ask if they take credit. It’s your only option.

So maybe that scenario is a bit extreme. It may not happen often, but it certainly happens. We fail to plan appropriately, or we think that using our savings will be okay because we can rebuild it in the upcoming months. Not following a budget can really put us in a bind.

Did you know that more than half of people in the United States live paycheck-to-paycheck? That means over 50% of us are at risk of experiencing the above scenario at any given time. Scary, isn’t it?

I want to introduce you to a great tool that helps me stay on budget. It was created by Dave Ramsey, a financial guru whose methods have proven affective for nearly everyone who has followed them. It is very user friendly, and best of all… FREE!

Meet EveryDollar®


EveryDollar.com is a website that tracks your monthly income, projected expenses, and actual money spent in order to give every dollar a name. In other words, you make every dollar count. This method is what Dave calls based on zero-based budgeting. If every dollar has a purpose, then we can start to gain control of every dollar that we spend. It may seem like a silly idea at first, but once you use this method for a couple of months, you will see just how much control you have over how much you spend, and what you spend it on!

When you first register with EveryDollar.com, you will be asked to create a username and password. You’ll also be asked to answer a few simple questions to establish your account. You will be given the option to upgrade your membership from FREE to EveryDollar Plus. This is a $99 service that includes the option to link to your bank accounts and credit cards. That way, your data is automatically entered instead of you having to enter each cost yourself. There is a free 15-day trial but I haven’t upgraded yet. The free membership works for me. Here is a comparison of what you receive with each membership.


Once you have registered, you can begin using EveryDollar.com immediately. Select the month that you’re budgeting, then follow the prompts to enter your monthly salary (what your actual take-home pay is) and the expenses that you know are monthly, i.e.; mortgage, insurance, car payment, etc.

Sept Income


Once you have entered all of your expected expenses, don’t forget to consider overlooked expenses. Birthdays, doctor appointments, pest control, and gym memberships are just a few of the things we frequently do not consider when planning a monthly budget.

As you enter expenses, you will notice that the website will keep count of your balance for you. It will be just below your income tab, listed as $ Left To Budget.

Left to Budget

Your goal is to get this to $0… which means you are making every dollar count. When you’ve succeeded, you’ll get a green checkmark like this:

EveryDollar Budget

You will also have a breakdown of expenses by category, so that you can make sure you’re not spending too  much money in one place. I love this feature so that I can stay on track with the budgeting percentage plan that Dave’s daughter, Rachel Cruze, shared on her website about two years ago.



Once all of your planned monthly expenses have been entered, you can use EveryDollar.com or the available smartphone app to track your actual expenses. The budget tool will maintain transactions throughout each month.


In addition to the tool giving you control over every dollar each month, Ramsey has created another feature within EveryDollar.com that is great for planning ahead… Debt-Free Baby Steps. The baby steps are listed in overview, with additional information and helpful tips to focus on and achieving each goal. The first step is a $1000 Emergency Fund.

Step One

You’ll notice that the Emergency Fund tab is part of your planned monthly expenses. Be sure to put back money each month, in whatever amount that you can, to work toward this first baby step. Once you have saved $1000, you can reallocate the money that you were using toward that goal to your second baby step.

Baby Step Two is taking control of your Debt Snowball. Check out Dave’s website to learn his recommendations for knocking out debt. This isn’t something that will happen overnight, so go into this stage with patience and perserverance. It will be so rewarding when you finally complete this step and move onto Baby Step Three.


I sit down at the end of every month and use this website to make sure things are in order for the next month. I love the feeling of control when it comes to my money. I use the smartphone app to enter transactions in real time (something I haven’t been doing since banking went online and I stopped using a check registry years ago) so that I can truly account for every dollar that I spend. Most of all, I love knowing that I have an emergency fund, have control of my debt, and am working toward completing Baby Step Three.

Although I have cut back on buying things that I don’t necessarily need, I haven’t stopped buying things. I have been able to take vacations that were already paid for, pay cash for Christmas gifts for my family, and occasionally treat myself to massages and pedicures. If you’d like to stop living paycheck-to-paycheck, and gain control over every dollar that you make, I highly recommend EveryDollar.com.

“A budget is telling your money where to go instead of wondering where it went.”
― Dave Ramsey


I was not compensated for this post, and it contains no affiliate links. All opinions are my own and not influenced in any way.