Thanks for stopping by!

I’m Jen, and I’m passionate about helping young women like you live their best lives.


This blog began in 2015 as a way to document my journey toward paying off $127,000 of debt in four years.  Over time, my passion has grown beyond personal finance.

I still feel that money is important – it matters because it touches every aspect of our lives.  I once read a tag line on the awesome blog Frugal Beautiful that described this perfectly.

It was something along the lines of “The life you want – no matter what it looks like – has a price tag.”

That being said, it’s not really about the money.

My mission is to help millennial women to live their dream lives, and managing your money well will enable you to do just that…but getting your financial life together is just the first step.


Because money won’t bring you happiness.

Happiness is not determined by your external circumstances (and how #broke you are); it’s created by your thoughts.  If you’d like to be happier, you need to focus on managing your mind.

So…how do you achieve happiness?

On this blog, we’ll focus on two main areas.

  1. Overcoming negative thinking related to problems (about money, relationships, mental health, etc.) in your life.
  2. Creating joy by thinking positive thoughts intentionally.

For those of you who love personal finance, don’t worry!  We’ll still be talking about money on this blog.  We’ll just be adding a few new categories too.  The four main areas will now be intentional living, money, faith, and wellness.

I know some of these new categories may not be your jam, and that’s totally okay!  My hope is that I’ll be able to help my readers in a more holistic way.

Let’s talk about what really matters.

It was never actually about the money.


For most of my life, I lived without intention.  I did things I thought were “normal”.

Go to college, then grad school, take on a bunch of debt, buy a lot of stuff, spend five figures on a wedding.

That’s just what everyone does, right?

Then I read Dave Ramsey’s book The Total Money Makeover and I had an epiphany.  As obvious as it sounds now, I didn’t have to do what was “normal”.

Why did I want to be like everyone else anyway?  Most people are broke.  That’s definitely not what I want.

I decided to start living with intention and living my life on my terms, not everyone else’s.

So I do things that many people find weird…like:

…And I love it.

I don’t spend my time “keeping up with the Joneses” and accumulating meaningless stuff.  Instead, I live a minimalist lifestyle and I do my best to focus on the things that actually matter.

The things that truly matter aren’t things.

I’ve also become more intentional with other areas of my life…like my faith, health, and relationships.  I’ll be talking about that on the blog too.

My passion is to help YOU live your life on your terms.  Ready?

Check out a few of my favorite posts:

Why Paying Off $127,000 of Debt Didn’t Make Me Happy
How to Find Contentment When You’re Deep in Debt

10 Bad Habits You Need to Stop If You Want to Be Happy

Want to learn a little more about me?  Here are 7 fun facts:

  1. I wear a lot of different hats.  I’m an HR/payroll professional, wife, Christian, blogger, dog mom, and yogi, among other things.
  2. I’m a huge animal lover and I have a soft spot for flat nosed dog breeds like pugs and bulldogs.  I have two pugs, a lazy three year old named Herbie and the most energetic pug puppy ever, Hazel.
  3. In my spare time, I enjoy listening to podcasts, long walks, yoga, and Project Life (scrapbooking).
  4. I have a master’s degree in HR, but in another life, I might’ve been a researcher in a psychology lab, an event planner, or a professional organizer.  Planning, organizing, and learning are three of my favorite things.
  5. I love board games. Here are a few of my favorites.
  6. I am a textbook ISTJ (The “Logistician”), an Enneagram type 8 (“The Loyal Guardian”), and a stereotypical left-brained person.  My husband is the complete opposite – right-brained, creative, and spontaneous.
  7. For most of my life, I actually had a negative perception of Christianity.  Thankfully, God did a work in my heart a few years ago and I’m excited to continue learning and growing in Christ.

Want more?

Follow us on Pinterest, Instagram, and Facebook for more awesome resources.

Thanks for reading and have a blessed day! :)

-Jen, Ben, Herbie, and Hazel




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