This is my 1st official post on the Frugal Chic Life blog!

I’m Nicole, by the way.

You can learn more about me here.

Four months ago I made the final payment on nearly 6-figures of student loan debt and this blog is all about documenting my life after debt.

For several years my financial focus has been getting rid of debt. So after paying it off, I find myself in the odd position of figuring answering the question, ” What now?”

Up until this point, I’ve been documenting my journey over on Youtube, but I think the blog will allow me to be more open and honest.

Almost like having an online diary of sorts.

I consider myself frugal by nature and I’ve used frugality as a tool to help me accelerate paying off debt.

Many times, frugality is viewed with negativity and I’d like to change that narrative.

Frugality can be a great thing.

In fact, there is freedom in frugality.

That’s why this blog is called Frugal Chic Life.

Living a Frugal Chic Life means living a fabulously ‘rich’ life.

Not necessarily rich in the traditional sense of the word.

But I wouldn’t be mad at that!

But also rich in spirit, time, and in peace.

And frugality is the vehicle that will get me there.

Frugality doesn’t mean living cheaply or depriving yourself of the things you want.

Frugality is about spending in the areas that are important, and scaling back on the crap you don’t care about.

I used to care about purses and shoes (a lot).

But, now that I’ve reset my spending habits, I’m able to align my spending with the things that I prioritize.

Currently, those priorities are:


#1 Spending time with my family.

(I’m married with 3 kids, including an infant who was born very premature-my little guy only weighed 1 lb. 8.3 oz at birth). After some really scary pregnancy complications and a 100-day NICU journey with Caleb, I realize, more than ever, the fragility of life. There’s NOTHING more important than spending time with those I love.

#2 Working less.

I don’t want to spend all of my ‘good years’ stuck in bumper to bumper traffic on overcrowded highways. And working less will help me do more of #1 and #3.


#3 Traveling more.

I want to travel extensively while I’m young enough and healthy enough to truly enjoy it.

So as I see it, frugality will help me accomplish these things.

I’ll share one of my favorite quotes to drive the point home…

Wealth consists not in having great possessions, but in having few wants“. -Epictetus.

If this sounds like something you’re interested in, then follow me on the journey. 

Let me know if you have any questions along the way.

Until next time, live well, and be blessed!

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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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