After years of wondering why I was broke every couple of months, I realized that I needed to organize my finances and start a budget especially as my student loan statements and other bills started to pile up. It took me several months to set up a budget after trying different ways to set up a budget. I also changed my payment deadlines to align with my budget. After my husband and I married in 2015, it took us over a year to consolidate our finances. Creating a budget helped us to gain a better picture of our finances. It also helped us figure out a five year plan to pay down our debt. Starting a budget is not fun but it is a necessary tool to help you and your family keep track of expenses, save money, and plan for the future. Here are five simple steps to help you start a budget: Read more
My husband and I love eating out. We try our best to limit it to once a week but it’s hard when our schedules are packed that dinner is around 10pm. We also like to eat out because it gives us a chance to spend time with our friends since we don’t have a big enough space at home to hang out with them. Whenever we go out, I try save money in any way that we can. Some of my favorite ways to save money eating out include: Read more
Even though I am not yet a mom, I decided to read Laura Harris’ “The Stay-At-Home Mom Blueprint: 150 Strategies to Chop Debt, Save Money, and Afford Your Dream of Staying at Home.” My husband and I want to have children in the near future but we are concerned about how much it costs to raise children. The CNN Money tool “How much will it cost to raise your child?” indicates that we will spend about $235,563 from birth to age 17. This is about the cost of a one-bedroom apartment here in Hawaii and this doesn’t include their expenses for college. Read more
The cost of higher education is rising every year leaving many students in debt before they begin their first job. First-generation students, like me, enter college without learning how to balance a budget, manage finances, and save money. Looking back, I made a lot of poor financial decisions that added to the amount of debt I accumulated after college. Some of the financial mistakes I wish I didn’t make in college include: Read more
CherryLacsina.com is now ItsAllCherry.com. I chose this new website to align with my personal theme in our journey to financial freedom. I’ve heard the phrase “It’s all cherry” several times here in Hawaii. It resonates with me not only because it has my name :P, but also because it’s a reminder to me that everything will be fine eventually.
We are trying to pay down all of debt, sort out our finances, and so forth but I am trying to balance this with making sure that we do not neglect other things in our life. I want to make sure that we make time for our family and friends, be active in our church offices, and live in the present. We have these worries but we shouldn’t let this stop us from living our lives. I also can’t let it affect our health, our family, and our lives anymore. We now to find more creative ways to endure through our current problems but still work hard to fix it.
Now that this new website is up and running, there’s still a lot of bugs for me to fix. I have a very small budget for my blog so I am doing everything myself. Because of this, I hope you will all be patient with me and continue to reading and sharing my posts. Thank you for following me so far as we strive for financial freedom one day at a time!
The cost of living in Hawaii is high especially in housing and groceries. To save money, my husband and I try to cook at home as much as possible. We go to the grocery store once every 1-2 weeks to cover most of our meals for the week. Over the years, we’ve figured out how to spend less than $5 per serving of food. Read more
For my first wedding DIY project, I made wedding card holders out of vintage globes. This was originally posted in my previous blog before the wedding and transferred it here so I could close my old blog. I am not sure how I came up with this idea. I just knew I didn’t want a regular card box and these globes fit our old romance wedding theme and is a nod to our love to travel. There was also nothing like this on pinterest or anywhere online, so I winged it! Read more
I forgot about some of the DIY wedding stuff I posted to my old wordpress site before we got married! I just finished transferring all of the posts to this site and I’m going to delete my old site. 🙁
For our wedding, I wanted to create a paper flower wall as a backdrop to our sweetheart table. I searched the internet for different flowers that I thought were easy but beautiful. This was one of the first flowers that I made. I’ll post up instructions for the other paper flowers we used in the flower wall soon!
When I got my first full-time job after college, I was given a bunch of forms to fill out and I had to make decisions on beneficiaries, taxes, and health care. After taxes, figuring out my health plan was difficult because there were so many choices, scenarios, and prices to consider. I finally chose the most expensive plan since it was the most comprehensive, thinking I would be fully covered if something happened to me (mistake #1). My plan also gave me a choice to pick a primary care physician but I decided to stay with the urgent care facility that I used while I was a broke college student (mistake #2). Read more
A couple of months ago, I read article from Business Insider about Barack Obama and Mark Zuckerberg wearing practically the same clothes everyday because they have bigger things to worry about than making decisions about clothes (like saving the world or fixing facebook notifications!). There was also another article about Matilda Kahl, an art director, who wears the exact same shirt and pants to work. She says it saves her time and energy that she could put towards making creative decisions. Wearing the same clothes everyday resonated with me because, even though I don’t wear the same thing everyday, I’ve been sticking to the same set of outfits to work, church, and home. I’m not a morning person and I’m usually rushing to work so I hate stressing over what top matches what skirt or pants in the morning. By having the same set of outfits to choose from, I don’t spend more than 5 minutes figuring out what to wear for the day. Read more