Get more out of your budget! The #MyFabIsLess Challenge

Some like to focus on long term goals. I enjoy the quick reward of short term goals from time to time.

Which is why I made a simple decision that would save me at least $500 a year. I removed my acrylic nails.

Don't laugh this pic is from my MySpace days! The point is to display the nails.

Don’t laugh this pic is from my MySpace days! The point is to display the nails.

My nail issues go back. Way back. In high school I got a job just so that I could keep my nails up each week. Over the years I’ve gone back and forth, alternating between doing my own manicures and paying others to. Somehow I got back into the paying others flow in November, just before vacation and have been factoring it into my budget ever since. I have never been able to grow long nails and have always despised my short tips. Vitamins, treatments, nail hardeners.. you name it I’ve done it in attempt to strengthen my natural nails.

The goal was to eventually begin doing my own acrylic nails but it’s something I never got around to and felt that my time could be best spent on things like finishing my masters degree or continuing to bring you great (I hope you think it’s great) content.

While $25 bi-weekly seems insignificant, thats $50 per month that could go towards paying off debt. So on March 1st I decided to kick the month off right and removed my nails. I’m kicking my financial goals up a notch by squeezing an unnecessary item out of my budget.

IMG_1178

Nails on my recent trip to Puerto Rico

I’d like to introduce to you the #MyFabIsLess challenge. Ask yourself, what can you squeeze out of your budget that will enable you to accomplish you financial goals quicker?

Share your item/habit you are giving up via the comments below or on social media using the #myfabisless tag. 

I look forward to hearing what you are giving up. Hopefully it will provide others with ideas on how they can squeeze more out of budget.








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24 Comments on Get more out of your budget! The #MyFabIsLess Challenge

  1. staceyflowers4
    March 3, 2014 at 12:07 pm (10 months ago)

    LOLOLOL “from my myspace days” I LOVE IT! And I love this challenge. My budget is pretty lean so I am going to ponder this one for a bit and let you know what I’ll squeeze out of my budget so I can join the #MyFabIsLess Challenge.

    Reply
  2. Ladytaj
    March 3, 2014 at 12:55 pm (10 months ago)

    I did give up acrylic nails a few years back. I am currently trying to live on one pay check per month. All about saving this year! No more buying just to buy! I currently have clothes in my closet from last year I have not worn. I know IT IS SAD…. but growing is changing…

    Reply
    • Tonya
      March 3, 2014 at 7:13 pm (10 months ago)

      Taj you have inspired me! Im going to have a look at my life expenses and see if I can live off of one paycheck a month :) I think I can! Thanks for reading and dropping this gem on me :)

      Reply
  3. LaKeisha
    March 3, 2014 at 6:18 pm (10 months ago)

    I am highly interested in giving up fast food. It takes a toll on my finances big time as well as my energy.

    Reply
    • Tonya
      March 3, 2014 at 7:12 pm (10 months ago)

      Hey Lakeisha, it really does. It’s hard though, fast food is addicting. Some days I find my self craving a big ol’ nasty burger lol. It happens tot he best of us. But kicking fast food is not only good for your wallet its good for your health.

      Reply
  4. michelle lane
    March 3, 2014 at 6:19 pm (10 months ago)

    My challenge will be to stop eating out. I spend approximately 250 to 350 eating at restaurants in a course of a week. This will be very difficult because my time management skills are horrible. I cook and we st
    ill eat out a great deal even when I cook! Some weeks we spend 450 and just eat out all week! So this will definitely be a challenge for me….

    Reply
    • Tonya
      March 3, 2014 at 7:11 pm (10 months ago)

      OMG Michelle! we gotta nip this in the butt! If your time management skills how about buying stuff that easy to prepare when you go grocery shopping like Stauffers lasagna or Digorno? I think your trick will be limit yourself to dining out one day a week. Don’t go cold turkey thats too much. But slowly cut back. lol you’re my cousin and I know you know way too many good cooks to be paying that much money to eat out! <3

      Reply
  5. Nesha
    March 3, 2014 at 6:48 pm (10 months ago)

    I too eat out too much. Not dining per se but definitely a quick grab here and a starbucks drink there. Im spending somewhere between $35-$50 weekly…and thats a minimum. Im focusing on trying to brown bag it more for lunch and overcoming the itch to stop and grab a sweet treat or drink while im out. And try rubbing organic unrefined virgin coconut oil into your nails/cuticles daily. See if that’ll help with growth. It did wonders for me!

    Reply
    • Tonya
      March 3, 2014 at 7:09 pm (10 months ago)

      Eating out can cost us so much. I definitely sympathize with you. It can be hard when you find yourself out longer than anticipated and you end up grabbing a bite to prevent yourself from passing out. Somehow that usually restarts the spending cycle and you find yourself back in spend mode. Keep me posted with how its going. Perhaps try taking it slow. Allow yourself one coffee a week. Then ween off :)

      Also thanks so much for the coconut oil tip. Im going to try that. It did wonders for my hair.

      Reply
  6. Adrienne
    March 3, 2014 at 9:27 pm (10 months ago)

    From Jan. 1 up until Thursday, I stopped my $20 every two weeks thrifting habit. Although I only spent $2 on Thursday, I don’t want to get back into thrifting just because. So, I’m going back to my spending fast for the challenge :).

    Reply
    • Tonya
      March 3, 2014 at 10:18 pm (10 months ago)

      Thats a good plan Adrienne! Its funny how those little things can add up right? I find when thrifting I actually end up buying things that I think look cool but will probably never wear. But keep me posted with how things come along!

      Reply
  7. Kara
    March 4, 2014 at 10:48 pm (10 months ago)

    Tonya, I love this challenge. I love the item of living on one check. I gotta run the numbers, though.

    Reply
  8. Saki
    March 5, 2014 at 9:58 am (10 months ago)

    I go back and forth between salon and at home pedicures… going to see how much I can save by sticking to at home care.

    Reply
  9. Shina
    March 5, 2014 at 10:51 am (10 months ago)

    I love this post. I am so restricted on what I spend currently, I have no clue where to start!

    Reply
    • Tonya
      March 5, 2014 at 11:21 am (10 months ago)

      Thank You! One way you can do it is challenging yourself to use up all hair or nail product before buying more with the exception of staple products you can’t go without.

      For example my hair care staples are Shea Moisture Curl and Style Milk, Aussie 3 Min Miracle, ORS Style and Hold pudding, Coconut oil, and Carols Daughter clarifying shampoo. I don’t buy any new products if it isn’t one of those. Prior to restricting my regimen I was a lightweight product junkie buying things I saw that worked for others on social media. I found what worked for me and stuck to it. When I want to experiment I use something from my product junkie days but I refuse to buy anything new. :) Hope I explained that well and that it helps.

      Reply
  10. Curls and Mo (@CurlsandMo)
    September 9, 2014 at 1:20 pm (3 months ago)

    Your site is phenomenal! I am going to do the No Shopping Challenge for 2015. I’m going to make a list of something I won’t buy each month and start preparing now. I’m really excited. Thank you for all of this knowledge and information. I’ve been “lost” on your site for a few hours now and I’m in love!

    Reply

8Pingbacks & Trackbacks on Get more out of your budget! The #MyFabIsLess Challenge

  1. […] weeks ago I announced the #MyFabIsLess Challenge . Rather than pay to get my acrylic nails redone  I decided to save $600 and do my nails […]

  2. […] To encourage women to reevaluate how they are using their money and time, Rapley has started the #MyFabIsLess Challenge,“I will end up saving $600 this year. Not only was it inconvenient financially but it […]

  3. […] To encourage women to reevaluate how they are using their money and time, Rapley has started the #MyFabIsLess Challenge,“I will end up saving $600 this year. Not only was it inconvenient financially but it […]

  4. […] To encourage women to reevaluate how they are using their money and time, Rapley has started the #MyFabIsLess Challenge,“I will end up saving $600 this year. Not only was it inconvenient financially but it […]

  5. […] To encourage women to reevaluate how they are using their money and time, Rapley has started the #MyFabIsLess Challenge,“I will end up saving $600 this year. Not only was it inconvenient financially but it […]

  6. […] To encourage women to reevaluate how they are using their money and time, Rapley has started the #MyFabIsLess Challenge,“I will end up saving $600 this year. Not only was it inconvenient financially but it […]

  7. […] To encourage women to reevaluate how they are using their money and time, Rapley has started the #MyFabIsLess Challenge,“I will end up saving $600 this year. Not only was it inconvenient financially but it […]

  8. […] You get resourceful: I didn’t become a freegan or anything but I got very creative with my life. When you don’t have money to shop, dine out, and do things an evolved version of the “fight or flight” theory takes place. Are you going to sit home and sulk or are you going to make things happened and feel fabulous doing it? I become more comfortable with myself and didn’t feel that I needed name brands for acceptance. I shopped at thrift store like I never had before, I cut my relaxed hair of and went natural. I guess you can say I became a blipster (a black hipster), but remnants of that resourcefulnness stick with me today and inspired the MyFabIsLess challenge. […]

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