Hi there, I’m Nicole!

I’m a money coach, wife, mother of three, makeup enthusiast, and lover of all things personal finance.  I started FrugalChicLife to document my journey to financial independence (FI). There is more to life than working 40-50 hours per week, paying bills, buying a bunch of stuff that we don’t need, and retiring at age 65. By ditching debt, living frugally, and building wealth I plan to work less, live more, travel, spend time with family, and pursue my passion projects.

Before starting this blog, I began a YouTube Channel to document my journey. Subscribe to my channel for new videos every week! The highlight of my journey thus far has been paying off over $90,000 of student loan debt in just 5 years!

How it all began….Debt is a normal part of life right??? Wrong! It isn’t and doesn’t have to be. But it took me a while to figure that out! In 2015 my husband and I were looking to buy a single family home. This should have been a time filled with excitement. Life, Liberty, and the Pursuit of Happiness. We were living the American dream right???

Wrong again! HGTV makes the home buying process look like a ton of fun. It’s all about decorating, picking out nice pieces of furniture, decorating the home to match your personal style. Where is the reality show that prepares you for the countless hours completing paperwork and being hassled by the finance company? Text messages, emails, phone calls..we need two more sets of income tax returns, a letter from your job…oh, and a DNA sample.

Ok, they never asked for a DNA sample.Hopefully you get my point though. The home buying process is not nearly as glamorous or as easy as it looks on TV. In fact, I found the process thoroughly unpleasant and found myself in tears and ready to throw in the towel on more than one occasion. but I truly discovered what the Bible means when it says “The rich rule over the poor, and the borrower is slave to the lender.” (Proverbs 22:7)

I made up in my mind that I would never finance anything again (God willing). 

I re-read Dave Ramsey’s The Total Money Makeover, switched to a cash based system for my household expenditures, and finally got serious about budgeting. I also went on a spending freeze which included not buying shoes for nearly a year and a half. This might not seem like a big deal but anyone who knows me knows how I feel about shoes!

We eventually closed on the house and moved in. I was relieved for sure. But more importantly, my mindset was forever changed and I made the commitment  to pursue becoming debt free as a step towards the ultimate goal of becoming financially free.

The purpose of this blog is two-fold. I want to document my journey towards financial independence and share what I learn along the way. If you find yourself frustrated with your finances, tired of being broke, or maybe sick of working a job you hate just to make ends meet, then I encourage you to stick around. Follow along, start a journey of your own, bring a friend even!

Ditching debt is the first step to becoming financially free.

Not sure how to get started? Start with the 21 Day Money Challenge and jumpstart your journey today…like right now! 

Need personalized guidance? I got you covered there too!  Check out the personalized one-one-one coaching and accountability program where we cover the ins and outs of getting out of debt, spending less, and building wealth.

Feel free to contact me at nicole@frugalchiclife.com if you have questions or just need to vent about your situation.

Until Next Time…Live Well and Be Blessed!

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