25 Affordable Valentine’s Day Gifts For Him

25 Affordable Valentine’s Day Gifts For Him

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VALENTINE’S DAY

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FREE PRINTABLE!

VALENTINE'S DAY

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Hey, sista!

Are you ready for Valentine’s Day?  Or are you stressing about what to get bae for the most romantic holiday on the planet?

I’m assuming it’s the latter since you’re ready a post titled 25 Valentine’s Day Gifts For Him!

It’s cool.  Don’t stress.  I’ve got you covered.

Valentines day gifts for him
Some of the links in this post are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission.  Please see our disclaimer.
So, it’s almost Valentine’s Day and you still haven’t gotten anything for your guy.

Well, thankfully we live in a one of the best times to be alive (IMO) and can get basically anything you could ever dream of shipped directly to your front door.

Whether you’re looking to spend a little or a little more, you will find ideas like

  • a new pair of shoes,
  • an activity book for couples,
  • the latest gaming console, 

and more!

Remember, though. Valentine’s Day is all about love – not gifts.  So, at the very least, spread some love on Valentine’s Day.

Ok, ok…here’s the list of kickass gifts to get your man.

1.  A Hot New Video Game, $25.30

If your guy is into playing video games this is a perfect gift for him!

Crash Bandicoot is an epic throwback and the perfect way to spend any rainy day.

With a 5-star rating on Amazon (and from personal experience), I know you’ll love this!

(Available on PS4, Nintendo Switch, and XBOX ONE.)

If your guy is into playing video games this is a perfect gift for him!

Crash Bandicoot is an epic throwback and the perfect way to spend any rainy day.

With a 5-star rating on Amazon (and from personal experience), I know you’ll love this!

(Available on PS4, Nintendo Switch, and XBOX ONE.)

2.  Gaming Console, $299.00

Bae doesn’t have a gaming console to play hot new games?

That’s ok, Amazon has you covered.

The Nintendo Switch is all the rage these days – and for good reason!

Bae doesn’t have a gaming console to play hot new games?

That’s ok, Amazon has you covered.

The Nintendo Switch is all the rage these days – and for good reason!

3.  Matching Couples T-Shirts, $27.90

If you’re into matching t-shirts, this is a super cute way to express your love for one another!

If you’re into matching t-shirts, this is a super cute way to express your love for one another!

4.  The Big Activity Book For Couples, $13.18

Wanna have some fun + get to know your man a little better?  Then, ‘The Big Activity Book For Couples,’ is a perfect gift for him!

With puzzles, quizzes, and more, you’re definitely gonna grow closer after completing this book.

Wanna have some fun + get to know your man a little better?  Then, ‘The Big Activity Book For Couples,’ is a perfect gift for him!

With puzzles, quizzes, and more, you’re definitely gonna grow closer after completing this book.

5.  ‘What I Love About You’ Fill-In-The-Blank Journal, $7.08

You can never go wrong with telling your guy all the reasons why you love him!

I’ve personally received this as a gift, which I still keep and look back through to this day!

Definitely a winning gift for him.

You can never go wrong with telling your guy all the reasons why you love him!

I’ve personally received this as a gift, which I still keep and look back through to this day!

Definitely a winning gift for him.

Valentine's Day Gifts For Him

6.  Beard Grooming Kit, $26.91

You can never go wrong with a beard grooming kit as a gift for your man this Valentine’s Day!

Well, except if your man doesn’t have a beard.

You can never go wrong with a beard grooming kit as a gift for your man this Valentine’s Day!

Well, except if your man doesn’t have a beard.

7.  A New Pair Of Sneakers, $30.00+

I don’t know a guy who wouldn’t be thrilled to add another pair of sneakers to his collection.

Amazon has tons of great options, like on these Nike’s!

I don’t know a guy who wouldn’t be thrilled to add another pair of sneakers to his collection.

Amazon has tons of great options, like on these Nike’s!

8.  An Improved Way To Netflix & Chill, $275.88

Electronic’s are the way to a mans heart, right?

If your relationship needs some serious Netflix and chillin, this gift is perfect for your man.

Electronic’s are the way to a mans heart, right?

If your relationship needs some serious Netflix and chillin, this gift is perfect for your man.

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9.  A Pair Of Sunnies For Your Trip, $23.00

We’re in a new age where giving the gift of an experience is all the rage.

So, gift your man a new pair of sunnies to pair with tickets to your next tropical vacation!

We’re in a new age where giving the gift of an experience is all the rage.

So, gift your man a new pair of sunnies to pair with tickets to your next tropical vacation!

10.  A New Hat, $25.00

You can’t go wrong with a hat for him this Valentine’s Day!
You can’t go wrong with a hat for him this Valentine’s Day!

11.  Foreo Luna For Men, $99.00

When I saw that they had a mens version of the Foreo Luna, I knew I had to include it on this list!

I love mine, and think it will make the perfect gift for your man (if he gives a damn about his skin!)

When I saw that they had a mens version of the Foreo Luna, I knew I had to include it on this list!

I love mine, and think it will make the perfect gift for your man (if he gives a damn about his skin!)

12.  A New Wallet, $9.99

Are you a month into your relationship and don’t wanna give something too lovey…but still wanna show you care?

Well, then, this wallet is the perfect gift to pick up for your boo.

Are you a month into your relationship and don’t wanna give something too lovey…but still wanna show you care?

Well, then, this wallet is the perfect gift to pick up for your boo.

Valentine's Day Gifts For Him

13.  Cozy AF Slippers, $110.00

Slippers are the perfect gift when you just don’t know what to get somebody!

I mean, who doesn’t love cozy slippers to keep their feet warm?!

Slippers are the perfect gift when you just don’t know what to get somebody!

I mean, who doesn’t love cozy slippers to keep their feet warm?!

14.  A Hooded Bathrobe, $49.50

Honestly, that has to be the comfiest bathrobe I’ve ever seen (and I freaking LOVE my bathrobe).

My robe is hands down the best gift I’ve received from my bae, and I know your guy will love one, too!

Honestly, that has to be the comfiest bathrobe I’ve ever seen (and I freaking LOVE my bathrobe).

My robe is hands down the best gift I’ve received from my bae, and I know your guy will love one, too!

15.  Weekender Duffle Bag, $49.99

Need a vacation?

Get babe on board (you see what I did there…) by gifting him a new duffle bag to inspire his travel bug!

Need a vacation?

Get babe on board (you see what I did there…) by gifting him a new duffle bag to inspire his travel bug!

16.  A New Basketball, $9.59

If your guy is into sports, pick up some new equipment for him to perfect his game with!
If your guy is into sports, pick up some new equipment for him to perfect his game with!

17.  Laptop Messenger Bag, $74.99

Does your guy have a fancy job that requires him to carry his laptop back and forth from work?

Well, then, this messenger bag is obvs perfect!

Does your guy have a fancy job that requires him to carry his laptop back and forth from work?

Well, then, this messenger bag is obvs perfect!

VALENTINES DAY GIFTS FOR HIM

18.  Kenneth Cole Black Cologne, $70.00

Mmmmm, you can’t go wrong with cologne.  Ever.
Mmmmm, you can’t go wrong with cologne.  Ever.

19.  Inflatable Kayak, $53.00

Get your man pumped for your next camping trip with this super cool inflatable kayak!
Get your man pumped for your next camping trip with this super cool inflatable kayak!

20.  ‘Do You Know Your Wife’ Quiz Booklet, $5.95

This quiz booklet is a fun way to see how well bae really knows you.

Make some reward cards he can claim for correct answers!

This quiz booklet is a fun way to see how well bae really knows you.

Make some reward cards he can claim for correct answers!

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21.  Sports Illustrated Magazine Subscription, $20.00

Set your guy up with a 6-month subscription of Sports Illustrated!

Not into sports?  That’s cool, Amazon has tons of different options for magazine subscriptions!

Set your guy up with a 6-month subscription of Sports Illustrated!

Not into sports?  That’s cool, Amazon has tons of different options for magazine subscriptions!

22.  Gourmet Coffee Sampler, $68.00

Give the gift of awesome coffee!

Who needs Dunks when you have fresh coffee delivered to your door every month?

Give the gift of awesome coffee!

Who needs Dunks when you have fresh coffee delivered to your door every month?

23.  Chocolate Covered Strawberries, $26.12

I mean, I’d fall in love with somebody who had chocolate covered strawberries delivered to me at work.

Just sayin’.

I mean, I’d fall in love with somebody who had chocolate covered strawberries delivered to me at work.

Just sayin’.

24.  “How To Lose A Guy In Ten Days,” $13.99

This might be more for you than for him.

But, who can turn down a cuddle sesh with popcorn and candy?

This might be more for you than for him.

But, who can turn down a cuddle sesh with popcorn and candy?

25.  Dove Assorted Chocolates, $19.99

And, if all else fails, give the gift of chocolate.

(The bigger the better)

And, if all else fails, give the gift of chocolate.

(The bigger the better)

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There you have it!

Twenty-five kickass Valentine’s Day gifts for him!

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STAY KIND,

– michelle

P.S.  Was this post helpful?  Consider buying us a coffee to show your love <3

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20 Free Valentine’s Day Gift Ideas For Bae

20 Free Valentine’s Day Gift Ideas For Bae

FREE PRINTABLE!

VALENTINE'S DAY

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FREE PRINTABLE

VALENTINE’S DAY

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So, Valentine’s Day is almost here!

Are you ready to spread the love?

If you want to make bae’s day special, but don’t wanna spend a ton of money doing so, then you’ve landed in the sweetest of places.

These 25 free Valentine’s Day gift ideas will surely make your man or woman feel loved!

Free Valentine's Day Gift Ideas
Some of the links in this post are “affiliate links.”  This means if you click on link and purchase the item, I will receive an affiliate commission.
You don’t have to spend a lot of money to make somebody feel loved on Valentine’s Day.

Nope, there are (at least) 25 ways that you can give the gift of love without spending a dime!

Whether you bake your girl her favorite dessert, or surprise your man at the bottom of a mountain to hike, these free Valentine’s Day gift ideas are perfect to make bae feel special.

And, this way, you can spread some love to all the important people in your life, without going broke.

Let’s do this.

1.  Bake them something sweet
Fulfill your bf or gf’s sweet tooth by baking them their favorite dessert!

Simply put the ingredients you already have into Super Cook and they’ll hit you with all the dessert recipes you can make.

Yum!

2.  Wake them up with breakfast in bed
Everybody enojoys being woken up from the smell of coffee brewing and breakfast being cooked, right?

(Yes….right!)

So, start their day off right by giving the gift of delicious food!

3.  Give them a massage
The gift of a massage never fails to be the perfect choice.
Free Valentine's Day Gift Ideas
4.  Make a coupon book
The coupon book!  Oldest gift in the book.

Which is what makes it great, right?

Who doesn’t like cashing in on a weeks worth of laundry duty?

5.  Write them a love note
Let your guy or gal know how much you love them with a heartfelt letter.
6.  Draw them a picture
Maybe it’s of the two of you.

Maybe it’s a Bob’s Burgers version of the two of you because it’s his favorite show.

Really, the options are endless. 😛

(Bonus points if they add it to the wall of art!)

free valentines day gift ideas
7.  Netflix & Chill
I’m sure you have Netflix (if not, what are you doing with your life?!  Sign up right now!)

Set aside some Netflix and Chill time for you and bae.  Maybe you’ll even give into watching their favorite show.

Don’t forget the popcorn!

8.  Give them a hug
Spread the love with a long, loving embrace!
9.  Bring them a home cooked lunch
Valentine’s Day is on a Thursday this year, so surprise your man or woman at work with a home cooked lunch.

(Bonus points if you include dessert!)

10.  Make them a Spotify playlist
No joke, I originally wrote #10 as “Burn them a mixtape.”

I’m really not thaaat old, am I?

Do what the cool kids do nowadays and make bae a playlist of all the songs that remind you of them. <3

11.  Make them a homemade card
Don’t bother spending money on a card that will probably end up in the trash.

Instead, make them a homemade card that will be less likely to end up in the trash!

(Bonus points if you get the kiddos in on the homemade card making for Mom/Dad)

free Valentine's Day gift ideas
12.  Pick them a bouquet 
If you’re lucky enough to live somewhere that is sunny and warm on February 14th, get outside and pick your guy or gal some flowers!
13.  Give the gift of doing their chores
If I had to pick a free Valentine’s Day gift idea to choose for Matt to get me, this would be it.

You could:

  • do their laundry
  • do the dishes
  • get the kids ready for bed (sorry guys, kids ARE a chore sometimes!)

They will definitely feel loved as they watch your hard work from the couch.

14.  Make them a time capsule of your relationship
Have a bunch of movie stubs, concert tickets, plane tickets, etc from your relationship collecting dust somewhere?

Then, you should turn them into a free Valentine’s Day love capsule!

Simply grab a mason jar and fill it with photos, little notes, concert tickets, movie stubs, and more.

15.  Create a fitness challenge with rewards
Have something you wanna accomplish together?

Create a challenge with rewards to go along with it for a fun + free Valentine’s Day gift idea for bae.

And, it doesn’t have to be a fitness challenge.

You could have:

  • an art challenge
  • a use-your-phones-less challenge
  • a cooking challenge

Get creative!

16.  Cook them dinner
Food is always the way to my heart!

Use Super Cook to find a recipe for the ingredients you already have.

And there you have it!  A free Valentine’s Day gift!

free valentines day gift ideas
17.  Let them sleep in
If you’re celebrating this Valentine’s Day with kids in tow, this is the perfect free gift choice!

Just let your man or woman sleep in for the first time in months.

18.  Watch their favorite movie
To say ‘I love you,’ set up a movie night with popcorn and candy to watch their favorite movie!
19.  Take a picnic to a special spot
Is the weather nice where you are?

Then, take this opportunity to get outside by taking a picnic to a special spot!

Go to the place you had your first kiss or make a new memory somewhere new!

20.  SHOW THEM THE LOVE!
At the end of the day, SPREADING THE LOVE IS FREE!

Tell them you love them.  Show them you love them.  Just love the crap out of them all day long!

free valentine's day gift ideas
See, you don’t have to spend money to make bae know you love them.

It’s really as simple as saying “I love you” as much as possible.

Have a happy Valentine’s Day!

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STAY COOL,

– michelle

P.S.  Was this post helpful?  Consider buying us a coffee to show your love <3

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MORE GOOD READS…

25 Affordable Valentine’s Day Gifts For Him

FREE PRINTABLEVALENTINE'S DAYmood trackerFREE PRINTABLE!VALENTINE'S DAYmood trackerHey, sista! Are you ready for Valentine's Day?  Or are you stressing about what to get bae for the most romantic holiday on the planet? I'm assuming it's the latter since you're...

read more

20 Valentine’s Day Date Ideas For You & Bae

FREE PRINTABLE!VALENTINE'S DAYmood trackerFREE PRINTABLEVALENTINE'S DAYmood trackerAre you excited to get dolled up for Valentine's Day and go on a romantic date with bae? But can't think of anything to do? Let me help you out, then, with these 20 fun + romantic...

read more

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FREE PRINTABLE!VALENTINE'S DAYmood trackerFREE PRINTABLEVALENTINE'S DAYmood trackerSo, Valentine's Day is almost here! Are you ready to spread the love? If you want to make bae's day special, but don't wanna spend a ton of money doing so, then you've landed in the...

read more
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25 Affordable Valentine’s Day Decorations To Get You In The Mood For Valentine’s Day

25 Affordable Valentine’s Day Decorations To Get You In The Mood For Valentine’s Day

FREE PRINTABLE!

VALENTINE'S DAY

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FREE PRINTABLE

VALENTINE’S DAY

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[lmt-post-modified-info]

Valentine’s Day is one of those holidays that you either love or hate.

Me? Personally, I’m a fan!

I mean, what’s not to like about a day dedicated to spreading love, being kind, and eating chocolate?

So, what’s my point?

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Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

My point is this:

Whether you love Valentine’s Day or think it’s one big marketing ploy, spreading the love (even if it’s because a holiday is telling you to) is a good thing.

So!  I’ve rounded up the best (and most affordable!) Valentine’s Day decorations for you to get into the mood for loovvee day! <3

I’m telling you:

Hanging heart-shaped string lights around your home really can turn you into a Valentine’s Day lover.

Let’s dive in!

1.  Conversation Candy Hearts Banner, $9.99

You can’t celebrate Valentine’s Day without candy hearts.

Get in the mood for Valentine’s Day by hanging this adorable conversation candy hearts banner on your mantle!

You can’t celebrate Valentine’s Day without candy hearts.

Get in the mood for Valentine’s Day by hanging this adorable conversation candy hearts banner on your mantle!

2.  Valentine’s Day ‘Be Mine’ & Hearts Banner, $9.99

Conversation candy hearts not your thing?

Then, get in the mood for Valentine’s Day with this cute Be Mine + Hearts banner!

Conversation candy hearts not your thing?

Then, get in the mood for Valentine’s Day with this cute Be Mine + Hearts banner!

3.  Hearts Falling Garland, $9.99

Let your neighbors know you’re in the mood for Valentine’s Day with this super cute hearts falling garland.

Perfect for big windows!

Let your neighbors know you’re in the mood for Valentine’s Day with this super cute hearts falling garland.

Perfect for big windows!

4.  Pink Medley Tulip Wreath, $74.99

Uhm, heart eyes emoji much?!  I mean how pretty is this wreath?

Get your front door in the mood for Valentine’s Day with a beautiful tulip wreath!

Uhm, heart eyes emoji much?!  I mean how pretty is this wreath?

Get your front door in the mood for Valentine’s Day with a beautiful tulip wreath!

5.  Front Door Heart-Shaped Welcome Sign, $9.48

Don’t wanna spend $70 on Valentine’s Day decor?  It’s cool.

Simply decorate your front door with this heart-shaped welcome sign!

Don’t wanna spend $70 on Valentine’s Day decor?  It’s cool.

Simply decorate your front door with these classic conversation candy hearts!

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6.  Valentine’s Day Table Runner, $19.99

Get in the mood for Valentine’s Day with every meal you eat with an adorable table runner!
Get in the mood for Valentine’s Day with every meal you eat with an adorable table runner!

7.  Valentine’s Day Window Decals, $8.99

Another super cute way to let all your neighbors know whose in the mood for Valentine’s Day!

These heart window decals are always a fun treat for the kiddos to hang up!

Another super cute way to let all your neighbors know whose in the mood for Valentine’s Day.

These heart window decals are always a fun treat for the kiddos to hang up!

8.  Heart Shaped Twinkle Lights, $12.99

It’s not a holiday until you’ve hung some twinkle lights, am I right?

Get in the mood for Valentine’s Day with some heart shaped twinkle lights!

It’s not a holiday until you’ve hung some twinkle lights, am I right?

Get in the mood for Valentine’s Day with some heart shaped twinkle lights!

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9.  ‘I Love You, I Love You More’ Throw Pillows, $12.99

Add these fun throw pillows to your couch to get in the mood for Valentine’s Day!
Add these fun throw pillows to your couch to get in the mood for Valentine’s Day!

10.  “Big Sexy Love” (Valentine’s Day Book), $13.99 (Free with KindleUnlimited)

There isn’t a better way to get in the mood for Valentine’s Day than by reading a good love story.

Pick up this “laugh until you cry” romantic comedy novel!

(Sign-up for KindleUnlimited to read this for free!)

There isn’t a better way to get in the mood for Valentine’s Day than by reading a good love story.

Pick up this “laugh until you cry” romantic comedy novel!

(Sign-up for KindleUnlimited to read this for free!)

11.  Valentine’s Day With Curious George (Book), $3.99

Don’t forget the kiddos when you’re getting in the mood for Valentine’s Day.

Celebrate the day of love with this fun Valentine’s Day edition of Curious George!

Don’t forget the kiddos when you’re getting in the mood for Valentine’s Day.

Celebrate the day of love with this fun Valentine’s Day edition of Curious George!

12.  Heart Galvanized Decorative Pitcher, $12.99

Such a cute + subtle way to get your home in the mood for Valentine’s Day!

And, how pretty would some fresh flowers look in there?!

Such a cute + subtle way to get your home in the mood for Valentine’s Day!

And, how pretty would some fresh flowers look in there?!

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13.  Conversation Candy Hearts Lawn Decor, $69.99

If you’re into deocrating your lawn for the holiday season, you can’t pass up on these adorable blow-up conversation candy hearts!
If you’re into deocrating your lawn for the holiday season, you can’t pass up on these adorable blow-up conversation candy hearts!

14.  Valentine’s Day Dish Towels, $7.99

Here’s another fun way to get in the mood for Valentine’s Day:

Subtly decorate for the holiday with these super cute dish towels!

Another fun way to get in the mood for Valentine’s Day.

Subtly decorate for the holiday with these super cute dish towels!

15.  ‘Love You More’ Throw Blanket, $44.99

Don’t you just wanna cuddle up in this blankey and watch a good romcom?

Me too!  That’s why I’m definitely adding this to my cart to get in the mood for Valentine’s Day.

Don’t you just wanna cuddle up in this blankey and watch a good romcom?

Me too!  That’s why I’m definitely adding this to my cart to get in the mood for Valentine’s Day.

16.  Red Hearts Sheet Set (Full, Queen, King), $27.98

These sheets are too cute to not get!

Get your bedroom in the mood for Valentine’s Day with a sheet set that was made for love…. 😉

These sheets are too cute to not get!

Get your bedroom in the mood for Valentine’s Day with a sheet set that was made for love…. 😉

17.  Valentine’s Day Welcome Mat, $22.49

Get your guests in the mood for Valentine’s Day with a super cute + festive welcome mat!
Get your guests in the mood for Valentine’s Day with a super cute + festive welcome mat!

18.  Valentine’s Day Coffee Mugs, $29.99

Sip your coffee in the Valentine’s Day spirit with these hilarious + adorable Valentine’s Day coffee mugs!
Sip your coffee in the Valentine’s Day spirit with these hilarious + adorable Valentine’s Day coffee mugs!

19.  Valentine’s Day Knee-High Socks, $13.99

Get in the mood for Valentine’s Day while also staying cozy af.

These knee-high socks are perfect for Valentine’s Day and for hiding your legs on no-shave days… 😉

Get in the mood for Valentine’s Day while also staying cozy af.

These knee-high socks are perfect for Valentine’s Day and for hiding your legs on no-shave days… 😉

20.  Valentine’s Day Pajamas (for the whole family!), $4.46-$32.95

Get the whole family in the mood for Valentine’s Day with matching one-piece pj’s!
Get the whole family in the mood for Valentine’s Day with matching one-piece pj’s!
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21.  Valentine’s Day Phone Case, $10.99 

How cute is this?!?!

Get in the mood for Valentine’s Day with this super original phone case!

How cute is this?!?!

Get in the mood for Valentine’s Day with this super original phone case!

22.  Valentine’s Day Dog Sweater, $17.99

You can’t leave your pup out of the holiday spirit!

Get your dog in the mood for Valentine’s Day with their own heart sweater.

You can’t leave your pup out of the holiday spirit!

Get your dog in the mood for Valentine’s Day with their own heart sweater.

23.  Valentine’s Day Pink Nail Polish, $8.17

Give yourself a Valentine’s Day mani + pedi with this perfect shade!
Give yourself a Valentine’s Day mani + pedi with this perfect shade!

24.  “How To Lose A Guy In Ten Days” DVD, Rent For $3.99

A perfect way to get in the mood for Valentine’s Day is to cuddle up with your favorite romcom.

If you’ve never seen ‘How To Lose A Guy In Ten Days,’ you’re missing out!

A perfect way to get in the mood for Valentine’s Day is to cuddle up with your favorite romcom.

If you’ve never seen ‘How To Lose A Guy In Ten Days,’ you’re missing out!

25.  Dove Assorted Chocolates, $9.98

And, finally, the only real way to get in the mood for Valentine’s Day is to eat an entire box of choclates to the face 😛
And, finally, the only real way to get in the mood for Valentine’s Day is to eat an entire box of choclates to the face 😛

See?!  How could you not get in the mood for Valentine’s Day with all those lovely heart-shaped goodies?!

Sending love your way this Valentine’s Day!

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25 Money Related New Years Resolutions To Afford Your Best Year Ever!

25 Money Related New Years Resolutions To Afford Your Best Year Ever!

2020

BUDGET BOSS 

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2020

BUDGET BOSS 

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Ah, 2020. She snuck up fast, didn’t she? I know you want to afford the best year of your life (cuz why wouldn’t you), and I’ve got a secret:
These are the five best budgeting methods.  I bet you're ready to afford your dream life. I know I was! That is when I transformed my finances, starting with my budget. These are the 5 best budgeting methods to help you afford your dream life. If you want to stop living paycheck to paycheck, pay down debt, or save more money, one of these budgeting methods will help you. Being responsible with your money means creating a plan. These budgeting methods are the best to do that. Click to discover which budget method works best for you.
Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.
You’re gonna need to make some money changes in 2020! Because here’s the dealio: To afford an epic 2020 (I’m talking bills paid, debt gone, savings up, vacations booked), you need to make some money New Years resolutions! These are the best money new years resolutions to get started with next year:

1.  Start Budgeting

Having a budget will relieve tons of money stress that you don’t need weighing you down next year. To get started with budgeting, read this post and choose a budgeting method that works best for you. Once your budget is set up, don’t forget to track it throughout the month to make sure you’re sticking to it!

2.  Save money on expenses

If you take a gooood look at your budget, I’m willing to bet that we’d agree on this: You’re wasting money each month! Next year, vow to stop throwing your hard-earned cash out the window by saving money on your expenses. These are my top 3 ways to save money on your expenses:

1.  Connect your bank accounts to Trim who will analyze your spending and negotiate lower prices for your bills. (I saved $150/month after signing up for Trim!)

2.  Switch to Mint Mobile to decrease your cell phone bill by $100+!  (Don’t worry, you can keep your current phone.)

3.  Use $5 Meal Plans to save tons of money on food.

Related Reading: 14 Ways To Save Mad Cash Every Month, Trim Review: Scam Or Legit?

3.  BECOME DEBT FREE

Debt is a total money sucker.  And, an unnecessary expense. And, while debt can seem like a never-ending hole you’ll be trying to dig yourself out of forever, you’ve got to start somewhere. Next year, use the debt avalanche method or personal loan consolidation to work towards becoming debt-free!

4.  Build an emergency fund

Start building an emergency fund next year to prepare for unexpected expenses, job loss, and more. This emergency fund challenge is a great place to start for this money New Years resolutions!

5.  STOP USING CREDIT CARDS

Credit card debt can wreak havoc on your finances if you aren’t smart about paying back your balance. And, unfortunately, most of us are using credit cards as replacement income and cannot afford to pay much more than our minimum payments. This means one thing: You’re spending wasting a crap ton of money on interest costs (and will for yearssss!) So, next year, STOP USING CREDIT CARDS for good. (Got credit card debt?  Use this guide to save money while paying it off.)

6.  SAVE FOR A HOUSE

Make a money New Years resolutions to challenge yourself to save for your dream home this year! We’ll be doing it with you 🙂

7.  BECOME MORE FINANCIALLY RESPONSIBLE

Do you know exactly how much money you make each month?  How about how much money you spend each month? If not, you could benefit from becoming more financially responsible next year. Because, here’s the real deal: If you don’t know how much money you’re making or spending, you aren’t making wise financial choices. So, to afford your best year ever next year, organize your finances with our Budget Boss Binder and set yourself up for financial success!
SPECIAL OFFER!
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When you act fast, you can download our best-selling Budget Boss Binder for only $9!  But, quick!  This deal ends tonight at midnight!

8.  START INVESTING YOUR MONEY

To start investing your money, you can:

1.  Use an investment app like Acorns to make investing super simple

2.  Invest in an income property that you can rent out or list on Airbnb

3.  Read this guide on how to start investing in the stock market

9.  CULTIVATE A POSITIVE MONEY MINDSET

Being rich (and affording your best life) all starts with your mindset. This is crazy, but: Your thoughts about money (i.e., “I don’t deserve to be rich,” “I am poor.”) will dictate whether or not you achieve your financial goals. It really is true:  If you think you are poor, then you will remain poor. So, next year, make certain that you crush your money goals by focusing on a positive money mindset! You can get started by reading this post and saying these money affirmations.
Related Reading:  How To Get Rich Using Your Mind

10.  START SAVING FOR RETIREMENT

Start saving for retirement with a Roth IRA.

11.  BE MORE FRUGAL

Here’s the deal: You can live frugally and still enjoy your life (and money). Better yet: You need to live frugally to afford your best life. Look at it this way:  If you embrace a frugal lifestyle and save money on things like food and clothes, you’ll free up tonssss of money for things like vacations and experiences. To live more frugally in 2020, read this ultimate guide to frugal living!
Read Next…
Who knew saving tons of money could be so simple? Furthermore, who knew you were missing tons of opportunities to save money while buying the things you already do?

12.  DONATE MORE MONEY

Remember how I mentioned that your thoughts about money determine your reality with money? Well, the same goes for your actions with money. You see:  When you give your money away to charities you’re passionate about, people in need, or communities in despair, you’re showing the universe that you’re living a life of abundance, gratitude, and love. And in turn, you’ll receive more abundance, gratitude, and love. So, donate more money (or time) next year <3

13.  ORGANIZE YOUR FINANCES

Organize your finances like a boss in 2020 by using our 40+ page Budget Boss Binder!

14.  EARN CASH BACK FOR YOUR PURCHASES

Stop leaving free money on the table next year by earning cash back for your everyday purchases. The best way to earn the most cash back is by doing this:

1.  Use Rakuten (Ebates) when shopping online to earn instant cash back on your purchases (You can also score cash back on in-store purchases by connecting your debit/credit card to your Rakuten account.)

2.  Download the Ibotta app and upload pictures of your receipts to earn easy cash back.

3.  Connect your debit or credit card to the Dosh app to earn instant cash back on eligible purchases (without doing any work!)

Doing these 3 things puts $100 (or more) back in my wallet every single month!

15.  STOP FIGHTING WITH BAE ABOUT MONEY

Ugh.  Fighting about money is so overrated! Don’t let something silly like money ruin yours and bae’s relationship. Instead, either work together to set up a budget or split your financial responsibility 50/50 to avoid future fights about whether or not you can afford that late-night Taco Bell run.

16.  FIND WAYS TO TRAVEL MORE ON A BUDGET

Do you wish you could travel more but don’t know how you could ever afford to? Next year, do these 3 things to make traveling a priority in your life:

1.  Add a travel category to your budget where you put aside money specifically for traveling

2.  Use discount travel websites, Airbnb, and Groupon to save money on flights, hotels, and activities

3.  Create a travel saving plan to afford your ultimate dream vacation

Ahhhh, see ya in paradise cool

17.  TEACH YOUR KIDS ABOUT MONEY

It is never too early to start teaching your kids the value of a dollar. (Honestly, I wish somebody had taken the time to teach me before I got my first apartment!) Knowing how to budget and manage your spending is an essential part of life, so do your kids a favor and set them up for financial success at a young age. This post will give you tons of ideas and activities!

18.  MAKE MORE MONEY

Making more money is always on my to-do list.  And that remains true as we head towards 2020. Use these ideas to increase your income next year:

1.  Start a blog (make as much as $10k/month!)

2.  Manage a few side hustles

3.  Ask for a raise

4.  Switch careers

5.  Invest in an income property

6.  Rent out spare bedrooms on Airbnb

7.  Take surveys in your spare time

8.  Get paid to watch TV

9.  Purge your home and sell your stuff

10.  Postmate on the weekends (use code FL-XP1V7 at signup!)

Ballin’!
via GIPHY

19.  SWITCH TO A BETTER BANK

Paying fees to your bank is sooo last year. Next year, don’t be caught paying outrageous fees because you overdrafted your account by $2.37. How, do you ask? By switching to Chime Bank, of course! But for real:  Chime won’t hit you with a fee when your account is overdrawn, there are no minimum account balances, and you will get your paychecks two days early when you bank with them. Oh…and just when you thought it couldn’t get better, it does. When you sign up for a Chime bank account, they’ll deposit $50 into your account! money-mouth You can read more about why I love Chime in this post.

20.  REFINANCE YOUR STUDENT LOANS

Got student loans? Get rid of them next year by refinancing them with Credible to lower your interest rate and reduce your monthly payments.

21.  DECREASE YOUR PERSONAL SPENDING

Do you know how much money you spend on fast food each month?  Trips to Target?  Coffee runs? Get in the habit of tracking your personal spending next year.  (You’ll be shocked at how much money you’re spending!) Then, you can redirect that money into a savings account for your next vacation! (Our Budget Boss Binder includes spending trackers!)

22.  AUTOMATE YOUR BUDGET

Automating my budget was the best. thing. I. ever. did…(sorry kids!) I [almost] never have to think about budgeting anymore since setting up an automated budget! You can learn how to automate your budget by reading this post.

23.  TRY A NO-SPEND CHALLENGE

Do you think you could do a no-spend challenge for the whole entire year? Hey, tell me I can’t and I’ll show you I can!

24.  INCREASE YOUR CREDIT SCORE

This is one of my favorite money new years resolutions: Join the 800 club by working hard to increase your credit score next year. You can do this by paying down debt, paying your bills on time, diversifying your loan history, and more!

25.  DON’T LET MONEY DICTATE YOUR HAPPINESS

Because we need money for what feels like everything, it can be difficult not to correlate it with happiness. But, at the end of the day, we must all realize that money is not the most important thing in life and having a lot of it doesn’t automatically mean we’ll be happy. So, in 2020, set money new years resolutions to continue improving your money mindset so you can be happy with what you have and open to receiving more abundance!
There you have it!   The 25 best money New Years resolutions to afford your best life in 2020!
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– michelle
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The Ultimate Guide To The Debt Avalanche Method For Paying Off Debt

The Ultimate Guide To The Debt Avalanche Method For Paying Off Debt

2020

BUDGET BOSS 

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2020

BUDGET BOSS 

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Paying off debt is haaarrrdd work.

Between high-interest rates and an inability to afford more than the minimum payment, becoming debt-free can feel like an impossible task.

But, there is good news:

These are the five best budgeting methods.  I bet you're ready to afford your dream life. I know I was! That is when I transformed my finances, starting with my budget. These are the 5 best budgeting methods to help you afford your dream life. If you want to stop living paycheck to paycheck, pay down debt, or save more money, one of these budgeting methods will help you. Being responsible with your money means creating a plan. These budgeting methods are the best to do that. Click to discover which budget method works best for you.
Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.
When you use a debt payoff strategy, like the Debt Avalanche Method, becoming debt-free will become your reality.

Today, we’ll go over:

  • what the debt avalanche method is,
  • the pros and cons of using this method, 
  • how to set up your own debt avalanche, 

and more.

Let’s dive in so you can become a debt-free badass ASAP.

WHAT IS THE DEBT AVALANCHE METHOD?

The Debt Avalanche Method is a strategy for paying off debt that has you prioritize your debt payoff in order from highest interest rate to lowest.

 In other words:

When you use the avalanche method, you will make minimum payments on all your debts EXCEPT for the one with the highest interest rate.

Next, you will put as much extra money as you can afford towards paying off your highest-interest debt until it is paid off.

Finally, you’ll repeat this process until you are debt-free.

THE PROS & CONS

One of the reasons why paying off debt is so difficult is because of high-interest rates.

Because of interest rates, each month when you make a payment, part (or in some cases almost all) of your payment will go directly to the loan company and only a small amount will go towards lowering your overall debt.

But, when you use the debt avalanche method, you will save tons of money on interest in the long run by eliminating your high-interest rate debts first.

This is the biggest pro to using the debt avalanche method: You won’t waste tons of money paying off interest.

Now, you might be wondering:

“This sounds like the best answer for paying off debt, how can there be any cons?”

Well, while you will save a ton of money, usually your highest interest rated debt is your largest, thus, it might take you a long time to pay off this debt.

Because of this, using the debt avalanche method can result in low satisfaction when you do not see huge progress after making many payments.  And with this, comes a lack of motivation.

However, with that being said, I still believe the debt avalanche method is the best strategy for paying off your debt if you want to save money in the long run.

HOW TO SET UP YOUR DEBT AVALANCHE

Setting up your debt avalanche plan is super simple.

Just follow these steps:

  1. List your debts in order from highest interest rate to lowest
  2. Make your minimum payments on all debt + put all extra money towards the highest interest rated debt until it is paid off
  3. Put your first debts minimum payment towards next debt + extra money
  4. Repeat this process until all debt is paid off

Let’s go over each step in more detail, now:

STEP 1:  List your debts in order from highest interest rate to lowest
Before diving into your journey to becoming debt-free, it is crucial that you know exactly how much debt you have.

So, make a list of every debt you have including how much you owe, your interest rate, and your minimum monthly payment.

Then, number this list in order from your highest interest rate to your lowest interest rate.

(Make sure you’re not forgetting any debts by using a copy of your credit report from Credit Karma!)

For example:

  • Debt 1 – Credit Card #1: 27.5% interest rate, $8,000 balance, $145 minimum payment
  • Debt 2 – Credit Card #2: 19% interest rate, $3,000 balance, $70 minimum payment
  • Debt 3 – Car Loan: 6% interest rate, $8,500 balance, $390 minimum payment
  • Debt 4 – Studen Loan: 5.8% interest rate, $11,000 balance, $100 minimum payment

**To help you with this step, I’ve created a super simple worksheet that you can download as part of your Budget Boss Binder.

*Included in our Budget Boss Binder
STEP 2:  Make minimum payments on all debts + put all extra money towards debt #1
This is when you’ll start paying off your debt by making minimum payments on all your debts EXCEPT your number one priority debt.

On your debt with the highest interest rate, make your minimum payment + put all your extra money towards additional payments.

I know, I know.  Extra money.  Ha!

The reality is that most of us don’t have extra money laying around (or we probably wouldn’t be in debt).

But, the good news is:

Finding extra money for your debt repayment is simple.

Firstly, go over your current budget (or make a budget if you don’t have one) to ensure you’re not carelessly spending money.

Secondly, free up extra money for your debt payments by lowering your monthly expenses.

You can:

1.  Refinance your mortgage for a lower interest rate & start paying biweekly

2.  Sign up for Trim to cut your cable, phone, and WiFi bills in half

3.  Switch to Mint Mobile to save hundreds on your cell phone bill

4.  Refinance your car loan for a lower interest rate

5.  Shop around for lower car insurance

6.  Invest in energy-efficient options to reduce utility costs

7.  Consolidate your credit card debt into a personal loan to decrease your interest costs and create one low monthly payment

8. Refinance your student loans for a lower interest rate

9.  Switch to Chime Bank (it’s SO simple!) to get rid of all banking fees (and get a FREE $50 gift right now)

And, lastly, you can always make more money to put towards your debt by asking for a raise, working overtime, getting a second job, starting a blog or side hustle, selling your stuff, renting out a spare bedroom in your home, and more.

Here is what step #2 should look like:

  • Debt 1 – Credit Card #1: 27.5% interest rate, $8,000 balance, $145 minimum payment – MAKE $145 MINIMUM PAYMENT + ALL EXTRA MONEY YOU HAVE
  • Debt 2 – Credit Card #2: 19% interest rate, $3,000 balance, $70 minimum payment – MAKE $70 MINIMUM PAYMENT
  • Debt 3 – Car Loan: 6% interest rate, $8,500 balance, $390 minimum payment MAKE $390 MINIMUM PAYMENT
  • Debt 4 – Studen Loan: 5.8% interest rate, $11,000 balance, $100 minimum payment – MAKE $100 MINIMUM PAYMENT

You will continue step #2 each month until your debt 1 is paid off in full.

STEP 3:  Put debt 1’s minimum payment + extra money to debt 2
Once your first debt is paid off (yay!), you can put its minimum payment + all extra money towards your next debt.

This means that your second debt shouldn’t take as long to pay off because you’ve significantly increased the amount of money you have to put towards payments.

For example:

  • Debt 1 – Credit Card #1: 27.5% interest rate, $8,000 balance, $145 minimum payment – MAKE $145 MINIMUM PAYMENT + ALL EXTRA MONEY YOU HAVE –  PAID OFF
  • Debt 2 – Credit Card #2: 19% interest rate, $3,000 balance, $70 minimum payment – MAKE $70 MINIMUM PAYMENT + $145 MINIMUM PAYMENT (FROM DEBT 1) + ALL EXTRA MONEY
  • Debt 3 – Car Loan: 6% interest rate, $8,500 balance, $390 minimum payment – MAKE $390 MINIMUM PAYMENT
  • Debt 4 – Studen Loan: 5.8% interest rate, $11,000 balance, $100 minimum payment – MAKE $100 MINIMUM PAYMENT

Once debt 2 is paid off, put debt’s 1 and 2’s minimum payments towards debt 3, and so on.

STEP 4:  Repeat this process until you are debt free!
Once you’ve gotten the hang of the debt avalanche and have paid off your first two debts, you’ll simply continue the same process until you are debt-free.

By the time you’re working to pay off your 3rd, 4th, 5th, debt you’ll have so much money to put towards payments that clearing your debt will become a breeze.

Cheers to becoming debt-free!

HOW TO MAKE SURE YOU  STICK TO YOUR DEBT PAYOFF PLAN

Now, sticking to your debt payoff plan is easier said than done.

So, how do you make sure you follow through each month on your debt avalanche?

I’ve got two ways to motivate you to continue paying off your debt:

  1. Create a reward system
  2. Track your progress

Firstly, after you pay off each debt (or half of each debt), reward yourself!  Go out on a celebratory date, buy a new outfit, pop some champagne, etc.

After paying off large sums of debt, you should acknowledge and feel goooooood about such a big accomplishment.

Secondly, and most importantly, you should track your debt repayment progress each month to make sure you’re sticking to the plan.

To track your debt repayment progress, I highly recommend using our Budget Boss Binder.

When you use our Budget Boss Binder to track your debt repayment progress, you will be able to map out your budget each month to make sure you’re putting as much money as possible towards paying off debt.  You’ll also be able to track your debt payments using a monthly tracker.

And, I’m excited to tell you:

Because we love our readers so much (where would we be without you!?), we’re offering our Budget Boss Binder for only $9 (66% off) RIGHT NOW.

SPECIAL OFFER!

SAVE $18 RIGHT NOW

When you act fast, you can download our best-selling Budget Boss Binder for only $9!  But, quick!  This deal ends tonight at midnight!

Alright!  There you have it!

A complete guide to the debt avalanche method for paying off debt!

Will you be using this strategy to become debt-free?  Or do you have a better way?  Leave a comment below!

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DESTROY YOUR DEBT!
– michelle
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What's inside the Master Your Money Super Bundle

TOTAL VALUE: $1206.41

ACTUAL PRICE: ONLY $49!

Free Budget Boss eCourse!

Never wanna stress about money again?  Sign up now for your 5-day budget eCourse that will transform your finances.  (With Printables)

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4 Methods To Get Out Of Debt Fast

4 Methods To Get Out Of Debt Fast

2020

BUDGET BOSS 

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2020

BUDGET BOSS 

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Getting out of debt can feel like an impossible task.

That is until you use one of the best methods for paying off debt quickly.

When I used one of these four methods to pay off my debt, I saved $3,000 and became debt-free in just 6 months.

Keep reading to learn how you can do the same!

get out of debt
Some of the links in this post are “affiliate links.”  This means if you click on the link and purchase the item, WSW will receive an affiliate commission.  Additionally, Who Says What is a member of the Amazon Affiliate Program.  Please review our Privacy Policy for more information.

If you want to pay off your debt quickly while saving tons of money, you must make a plan.

For instance, how much debt do you owe and what is the best method for paying off your debt?

These are the four best methods to get out of debt fast:

  1. Debt Avalanche Method
  2. Debt Snowball Method
  3. Debt Consolidation
  4. Balance Transfer

Explore each option to find the best fit for you!

Let’s dive in.

1.  The Debt Avalanche Method

If you want to save a ton of money in the long run, you should absolutely consider using the debt avalanche method to get out of debt fast.

The avalanche method will save you thousands of dollars in interest costs by applying the majority of your repayment efforts towards your debt with the highest interest rate.

Here’s how it works:

  1. Make a list of your debts from biggest to smallest depending on interest rates
  2. Make your minimum monthly payments on all your debts EXCEPT the debt with the highest interest rate
  3. Put as much money as you can afford towards debt payments on your debt with the highest interest rate until it is paid off
  4. Repeat this process until all debt is paid off

 

The biggest pro to the debt avalanche method is that you will save a lot of money in the long run.

The con is that your highest interest rated debt is often your largest, and thus may take some time to pay off; resulting in low satisfaction and motivation.

If you’re a fan of more instant gratification, the debt snowball method might be a better option for your debt payoff.

2.  The Debt Snowball Method

The debt snowball method is very similar to the debt avalanche method except for one detail:

When you use the snowball method, you’ll pay off your debts in order from the least amount owed to the most amount owed.

For instance:

  1. You’ll make a list of your debts in order from the smallest total due to the largest total due
  2. Continue to make your minimum monthly payments on all your debts EXCEPT your smallest debt
  3. Put as much money as you can afford towards paying off your smallest debt
  4. Repeat this process until you are debt-free

By knocking out your smallest debts first, it will feel like paying off your debt is simple because you’ll be able to pay off each debt quickly.

However, the debt snowball method will not save you money in the long run.

3.  Debt Consolidation

One of the biggest setbacks to getting out of debt is the high-interest rates attached to most loans.

For instance, the average interest rate on credit cards is a whopping 17.5%!

And, it gets worse:

If you can only afford your minimum monthly payments, you’ll be paying off your debt for years without feeling like you ever make any progress.

Not fun.

That’s why debt consolidation can change your life and make getting out of debt a breeze.

When you consolidate your debt into one lump sum, you’ll drastically decrease your overall interest rate and will only have to worry about one debt payment.

As I said, debt consolidation is the perfect way to get out of debt fast if you have large amounts of debt and can only afford your minimum monthly payments.

To become debt-free using debt consolidation, follow these simple steps:

  1. Apply for a low-interest personal loan in the amount of your total debt
  2. Once your loan is approved and funded, pay off all your debt
  3. Pay your personal loan each month (making larger payments than your minimum due will help you become debt-free even quicker)

I used a personal loan to consolidate my credit card debt and saved over $3,000 and was able to pay back my debt in half the amount of time than if I continued making minimum payments!

4.  Balance Transfers

Using a balance transfer to get out of debt is helpful for credit cards that have high-interest rates.

For example:

Let’s say you owe $5,000 on a credit card with a 22% interest rate.

When you apply for a balance transfer credit card with an introductory APR of 0% for the first 12 months, you can transfer your $5,000 debt to your new card to pay it off without paying interest.

This is a great solution if you can find a balance transfer credit card with a zero or low-interest rate but obviously doesn’t help otherwise.

And, referring to my example above, you will only benefit from paying off debt with a balance transfer IF you pay off the balance on your new credit card within the 12-month time-frame.  Otherwise, you’ll be hit with an interest charge for the remaining balance.

To use a balance transfer credit card to get out of debt, follow these simple steps:

  1. Research balance transfer credit cards and ONLY apply to ones with a 0% introductory APR
  2. Once approved, transfer your debt from your old credit card to your balance transfer credit card
  3. Aggressively pay off your balance transfer credit card before the introductory APR expires

You can find tons of great balance transfer options on CreditKarma!

Alright!  There you have it!

The four best methods to get out of debt fast.

Which debt payoff method are you going to use to destroy your debt?  Leave a comment below!

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