Hi! I'm Nicole

Wife. Mom. Budgeter. Personal finance junkie. Makeup Lover. YouTuber.

I recently made my final payment on $90,000 in student loan debt! It took 6 years to pay in full. I still can't believe it!

I started frugalchiclife.com to document my journey to financial freedom and to share my passion for debt free living.

“A journey of a thousand miles must begin with a single step.” – Lao Tzu

Let's get started!

Just getting started?

Check out these beginner-friendly posts

why debt freedom

Why Debt Freedom? Break the Shackles of Debt in Your Life

Why debt freedom? Good question. Have you ever heard of the saying, “The borrower is slave to the lender” (Proverbs ...
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How to Create a Budget in 5 Easy Steps

I LOVE budgets! But I’m kind of weird like that. Crunching numbers and trying to figure out new ways to save money ...
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sinking funds

Sinking Funds 101: Take the Panic Out of Your Purchases

It’s hard getting out of debt. Don’t let anyone tell you that it will be easy!Once you are on the road ...
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In a hole stop digging

Got debt? If You are in a Hole, Stop digging!

I frequently hear from people who want to get out of debt but have no clue on how to get ...
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live below your means

5 Tips to Live Below Your Means, Get Out of Debt, and Build Future Wealth

In August 2016 I made the last payment on my student loan debt!!!! Over $90,000 paid off in 6 years ...
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emergency fund

Emergency Fund 101: Learn How to Rock Baby Steps 1 and 3

An emergency fund is critical to your success as you work on slaying your debt. An emergency fund is your ...
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spending leaks

Spending Leaks: Plug Them Before They Sink Your Budget

Have you ever looked at the gross earnings on your annual W-2 and wondered to yourself…where did all my money ...
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get to know the enemy

Get to Know the Enemy: How to Fight Debt and Win

Before going into battle you must know your opponent. You absolutely need to know your enemy’s movements and how he operates ...
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money mindset

Money Mindset: Discover Yours and Fix Your Money Habits Today!

I have to say this before we go any further. Ok…. Here goes nothing…Before you can get your money straight ...
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