Money Mantra, August 2018 by Erin Baynham

Another month, another realization that I'm not trying hard enough to get rid of this debt! Ugh. I have ebbs and flows to my progress. Here are some new things I'm trying. 

1. Melody at Broke on Purpose inspired me to look into the cash envelope system and sinking funds accounts. I'm not a fan of cash, and believe me I tried to be. The sinking funds accounts, though? I'm here for them! 

My goal was to create a budget, categorize most of the areas, and to have a checking account for each. That way, I can set up direct deposit and/or automatic transfers. 

I ended up repurposing a dormant Capital One 360 account and starting a new Discover Cash Back checking account. 

 

How to Make Starbucks Caramel Macchiato at Home by Erin Baynham

For many years, a Starbucks iced caramel macchiato was my go-to drink. But at $5 a pop, it was a luxury that I needed to curb. It took many years of research to figure out how to make a proper dupe, but this one definitely hit the nail on the head.

Before I begin, really think about how many of these you plan to drink, and how you can repurpose the ingredients. Vanilla syrup and caramel sauce are very specific items to have in your pantry. If you aren't going to use them over and over, don't waste the money purchasing them. Just go to Starbucks and get your drink.

Also, keep in mind that there's no way to have your drink taste exactly like Starbucks unless you have a fancy espresso maker. 

Pico De Gallo by Erin Baynham

Pico de gallo is one of those items that I absolutely have to have in my refridgerator at all times. I'm a chips and salsa kind of girl all the way. It's also perfect when you have leftover meat and tortillas in the fridge, and you want to whip up a taco or two.