Hello!

Hey there!

Welcome to the Frugal Chic Life. 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. Professionally, I’m a certified physician assistant, (sometimes) college professor, with a passion for money and personal finance.

My Mission

I help busy, professional women feel 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. 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 we’ll discover the beauty of financial freedom as we command our money, work less, and live more!

What qualifies me to contribute to the personal finance space?

Life experience, point blank, period.

I have no formal training in money management or personal finance.

But I’ve made a series of money mistakes including:

Purchasing a car with no money down and having a $500 car payment that I couldn’t afford (still kinda kicking myself for that one)
Borrowing nearly $100,000 in student loans without a strategy or a solid plan for how to pay it back
Buying an expensive house with more space than I needed (to the tune of (1,000 square feet per person x 5 people)…really Nicole…
Developing an unquenchable shopping to cope with feelings of inadequacy.

As I’ve said…I’ve made some mistakes. But I’ve come a long way!

I’ve since paid off the student loan debt and kicked the shopping habit. I drove that car for years until I couldn’t drive it anymore and I made my next purchase in cash. And most importantly, I’ve forgiven myself (mostly) for my past money mistakes and do my best to make better choices.

What you can expect from the blog

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.

Read more about my FI plan

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 short.

Ain’t nobody got time to write 2,500 word essays.

And I’m sure you don’t have time to write them.

If you prefer to consume content in other forms I also have the Frugal Chic Life Youtube channel and the Frugal Chic Life Podcast that you can check out to catch up on my random money musings.

A few random facts about me:

I was born and raised in Baltimore, Maryland (go Ravens!)
I love makeup
I’m a minimalist
I love 90s rap- Method Man and MosDef are my faves
I’ve been called cheap all of my life (my retort is I’m frugal, not cheap- and there is a difference)
One of my pet-peeves- when my children talk to me through the bathroom door…uh, hello can’t I just have a few minutes to pee in peace?
I have a bucket list goal to visit all 50 US States

If you’re interested, check out some of my freebies here

If you’ve been my internet bestie for a while and want to work with me you can peruse those options here

You can sometimes find me over on IG @frugalchiclife ( I really dislike social media- does that mean I’m getting old?) and I suck at Instagram but I’m working on it.

Until next time…Live well and be blessed!