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Frugal Chic Life

Frugal Chic Life

Call Me Cheap, But You'll Never Call Me Broke

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Frugal Chic Life

Command Your Money,

Build a Life of Freedom

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Join The Money Conversation, my free weekly love letter to the Frugal Chic Life community!

Choose Your Own Adventure

Managing money, while balancing work, kids, and multiple responsibilities can be stressful, overwhelming, and frustrating. But the good news is, you’re not in this alone. Together, let’s embrace the beauty of financial freedom so that we can work less, and live more!

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Frugal Chic Life

Hi, I’m Nicole!

I’m Nicole, wife to Eric and mother to Erica, Sydney, and Caleb. I’m just a regular girl trying to find my way in the big, bad world of money. My mission is to achieve financial independence in 10 years or less. Along the way, I’m helping other busy, professional women become financially confident while building true wealth. True wealth isn’t just about money, it’s also about living a life rich in spirit, time, and peace. You’re in the right spot if you’re ready to embrace the beauty of financial freedom so that you can work less, and live more.

The blog is a way for me to document my journey to financial independence and to share the lessons I learn (in real-time) with those who are interested. Hopefully, the blog will help me be more intentional with hitting my goals. And it’s nice to be able to look back and see how far I’ve come. So, if you are interested in hearing my two cents on various life and money topics then stick around. I like to keep my posts bite-sized. Ain’t nobody got time to write 2,500-word essays!

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A budget is critical for financial success, but it’s only the tip of the iceberg. Achieving lasting wealth requires dedication and intentionality. Set yourself up for success by planning out your goals and crafting a plan for every dollar.

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How to Achieve Financial Independence and Retire Early

How to Achieve Financial Independence and Retire Early

8 Goals to Achieve Before Age 40

8 Financial Goals to Achieve Before Age 40

21 Money Moves to Make in 2021

21 Money Moves to Make in 2021

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Did you kow that setting monthly money goals is a Did you kow that setting monthly money goals is a form of self-care? We spend 40+ hours per week earning our money, but how much do we devote to managing it? ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Here's a sneak peek at my money goals for May:⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 1. Save a minimum of $833 towards project 100K, this is my long-term goal to save $100,000 cash. Everyone should have at least one stretch goal that you're almost afraid to say out loud. What's yours?⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 2. Auto-investing $30 per week into my Stash app. I like Stash because you can buy fractional shares. I basically use my Stash account to invest my random fun money or unexpected windfall money.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 3. Send $1,000 to my taxable brokerage account at Vanguard. I hope to be 100% work-optional by age 50. This money will one day help to fund my work-optional lifestyle. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 4. Continue my weekly IRA challenge. I'm transferring money into my 2021 Roth IRA every single week so that it can be fully funded by the end of the calendar year. Going strong for the past 17 weeks!⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ 5. Sell my rental property! I'm a little overwhelmed because this is my first time selling a house. And the outcome is not in my control. But it's time to sell! I never wanted to be a landlord and it doesn't cash flow well. Pray church!⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Do you set goals every month?🤔 If not, how do you stay accountable for accomplishing your goals? What money goals are you working on for May?⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #goalgetter #moneygoals #wealthgoals #investinggoals #wealthywomen #moneymindset #moneymatters #moneycoach #budget #wealthbuilding #wealthymindset #maygoals #wealthbuilder #wealthjourney #firecommunity #financialindependence #workoptional #financialwellness #financialselfcare #debtfreejourney #debtfreeliving #budgeting #debtsucks #financialfreedom #savemorespendless #financialliteracy #moneytips #personalfinanceforwomen #beyondthebudget #frugalchiclife
What goal did you set on January 1st that you’ve What goal did you set on January 1st that you’ve abandoned? What money challenge did you start saving for but you got distracted? What new habit did you intend to implement but it never happened? ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Asking these question is not about passing judgment. We all have the best of intentions at the start of a new year. We intend to be the most financially fit than we’ve ever been in life. But life gets in the way and we don’t use our time and money in alignment with the earlier goals we set. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ The good news is that there is nothing magical about January 1st. It’s an arbitrary date. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ The real magic happens on April 10th, May 5th, May 26th, July 17th, November 25....insert any other date of your choosing. ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Is it time to finish what you started? What goal do you need to dust off and begin anew? ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #financialknowledge #moneymindset #financetips #moneycoach #financialsecurity #financecoach #personalfinance #budgetingtips #budgetplanner #financialeducation #financeexpert #budget #budgetlife #financialadvice #financialtips #financialgoals #financial #financegoals #financeblog #financeblogger #financialwellness #financialgrowth #financialpeace #financialindependence #financialsuccess #financialempowerment #goalsetting #moneytipsforwomen #beyondthebudget #frugalchiclife
It’s time to redefine ‘self-care’. Yes I lik It’s time to redefine ‘self-care’. Yes I like a good facial, massage, fluffy white slippers, and the nature sounds of spa music just like the next girl. But that isn’t all there is to self-care. You can’t take off to the spa every time you feel overwhelmed, stressed, and anxious. So figure out how to fit a tiny bit of self-care into your regular everyday life. And, yes, self-care is good for your bottom line. I’ve made some of THE dumbest money decisions when I was tired, worn out, and depleted. One time I bought a whole house, doors, windows, mortgage...an actual house while I was exhausted. 😬 Bad move, I don’t recommend it. But that’s a story for another day. Don’t forget- The simplest things in life cost nothing. How do you integrate self-care into your life? #happyfriday #selfcare #selfcaretips #moneymindset #moneymatters #moneycoach #budget #wealthbuilding #wealthymindset #wealthcoach #financialwellness #debtfreejourney #debtfreeliving #budgeting #debtsucks #financialfreedom #financialindependence #savemorespendless #personalfinanceforwomen #beyondthebudget #frugalchiclife
Just a little reminder for myself. Happy Sunday!⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #moneymindset #moneymatters #moneycoach #budget #wealthbuilding #wealthymindset #richinspirit #richintime #richinpeace #healthiswealth #lifegoals #moneygoals #financialjourney #enjoytheview #personalfinanceforwomen #beyondthebudget #frugalchiclife
Where do you see yourself financially in 10 years? Where do you see yourself financially in 10 years? ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Will you be debt-free? ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Will you finally start that business you’ve been wanting to start? ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Will you have a certain amount of money in the bank?⠀⠀⠀⠀⠀⠀⠀⠀⠀ Will you be ready for retirement?⠀⠀⠀⠀⠀⠀⠀⠀⠀ What is the future you want for yourself?⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ For me in 10 years (or less), I plan to be 100% debt-free including my mortgage and 100% work-optional. Every financial decision I make today has the potential to impact whether or not I achieve this vision for my future self.⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ Where do you want to be financially in 10 years? Share in the comments!⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ #debtfree #debtfreecommunity #financialfreedom #debtfreejourney #dfc #money #budgeting #budget #creditrepair #daveramsey #debt #finance #credit #creditscore #studentloans #personalfinance #goals #babystep #goodcredit #debtfreedom #daveramseybabysteps #frugal #debtisdumb #frugalliving #debtfreeliving #mortgage #debtsnowball #realestate #entrepreneur #frugalchiclife

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