Debt, Debt Free Story, Lifestyle, Money

How This Couple Was Able To Retire Early In Their 40s To Travel The World

Let’s be real here, working can be very stressful at times. Following directions from superiors, managing employees, dealing with office politics, keeping up with deadlines, appeasing customers, I can go on and on. The worst part is that people often get stuck working for decades and well into their 60’s or 70’s to make ends meet. What if you didn’t have to settle for that lifestyle? Meet Eric and Katie who broke that stigma and was able to retire early in their 40’s and live a nomadic life traveling the world.

Eric-and-Kate-Retired-Early-My-Financial Hill

Meet Eric and Kate who retired April of 2019 to follow their passion-Love of Travel. They live a life full of adventure, traveling the world and experiencing different cultures. Currently, they are in Danang, Vietnam and will most likely be there for 6 months before moving on to the next new location.

Eric and Katie shares helpful tips on how they were able to retire early. Eric retired at 42 and Katie retired at 41. Truly amazing! That’s more than 2 decades worth of work they were able to shave off. They saved up $1,000,000 which they fund for their nomadic lifestyle. Eric and Kate shares how they were able to do just that. Check out Eric’s site Bonus Nachos where he documents all the countries he’s been to during his retired nomadic lifestyle.

Eric and Kate’s Early Retirement Story

Eric, 42, Retired Accountant made under $50,000 a year

Katie, 41, Retired from the Hotel Industry made around $50,000 a year

Resides: Previous residence in Silicon Valley now lives in Danang, Vietnam

Saved: $1,000,000

Retirement Age: Eric, 42 and Katie, 41

1 | Was there any specific moment that motivated you to retire early?

We had recently moved from the Midwest to California and I had to find a job during the Great Financial Crash.

While I was happy to be able to find work, the job only offered 2 weeks of paid vacation. I previously was spoiled with 5 weeks.

Work suddenly felt a lot more oppressive.

I knew that there had to be a better way. It wasn’t too long after this that I discovered popular early retirement blogger Mr. Money Mustache.

I had always thought about early retirement as an abstract concept, but until this point hadn’t realized how accessible it really was.

2 | What was your income range? Did you do any side hustles?

I never earned more than $50k/yr until I was 37 years old.

Katie always earned a little more than me, except for a couple of glorious months in 2015. 🙂

But neither of us ever made 6 figures, so our early retirement is much more a product of low spending than high earning. We never earned any other money, preferring to savor our time away from work.

3 | When did you start saving and investing?

We both started contributing to our 401k accounts immediately upon getting our first professional jobs.

This was before we had even met, so the idea was independent of one another. And from there, we would each increase our contribution percentage with every raise that we received.

Later we opened up IRAs and stashed money into a taxable account as well, but we mostly just focused on our 401k accounts until our early 30s.

4 | Did you have any debt? If so, what did it consist of?

Not really. Some minor credit card debt as young adults, but nothing much to speak of.

We were careful to avoid it. This certainly helped us get to early retirement more quickly.

5 | Were there any programs/tools that helped to achieve early retirement?

As a former accountant, I love Excel spreadsheets. I use them for everything from tracking expenses to retirement projections.

I have always preferred to track my finances manually as opposed to using automated trackers like Mint or Personal Capital.

I felt it gave me more control and allowed me to customize it to my personal situation. Which is somewhat ironic because when it comes to investing, I’m completely hands off.

I think it’s much, much more likely that an individual investor will make a mistake and suffer a setback than pick the next greatest company.

As such, I believe the best way to go is to invest solely in index funds.

To help explain why, I’d recommend two books. The first is The Bogleheads Guide to Investing by Taylor Larimore. The second is The Four Pillars of Investing by William Bernstein.

Both are excellent books that are written for the non-professional investor. They are also popular enough that they’re likely available at your local library.

6 | Were there any habits that helped you retire early?

Most of our habits were developed to spend less money.

We focused our spending on what brought us the most happiness and tried to cut out the rest.

We cooked at home almost exclusively.

We split one older car, so one of us was always commuting by public transit or by bike.

We lived in a small cheap apartment.

On the flip side, travel was something that we have always loved so we made sure to take as many vacations as work would allow.

By not living in a fancy place, driving a new car (let alone two) or eating out often, we were still able to do the things we liked best while also saving lots of money

7 | Do you think you had to sacrifice a lot in your life to retire early?

I don’t think sacrifice is the right word.

Instead, I prioritized. Not spending every dollar shouldn’t be viewed as a sacrifice.

I would actually argue the opposite, that spending all of your money is a bigger sacrifice because you’re giving up compound investment gains that only increase over time.

I like the saying “You can have anything you want, but you can’t have everything.”

While I may not have been buying a million dollar house or driving a luxury car like many of my neighbors, I did get my passport stamped a lot.

Prior to retirement, I had been to Italy, France, Germany, Austria, Czechia, Jamaica, Grand Cayman, Aruba, and Mexico multiple times. There was lots of domestic travel too, including Hawaii, NYC, and many national parks. Travel has always been my priority.

8 | Did you ever receive a large sum of money that helped to propel you financially?

Well, the S&P 500 did go up over 20% in 2017 when we were already well on our way to early retirement. Does that count? But no start up windfalls, inheritances, or other things like that.

9 | What does your retired life consist of?

We now get to travel the world, experience different cultures, and eat lots of local delicacies. It’s not like our previous vacations though.

Prior to quitting, our longest stop in any one location was 10 days. So far, our shortest stop has been two weeks, but we prefer to stay longer. That really allows us to soak in the flavor of the area.

We get to frequent local markets and eat exotic produce. We swim in the ocean, explore cities and neighborhoods, visit temples and museums, and watch birds. We have nearly mastered the art of the leisurely breakfast.

I even occasionally write a blog post. And the best part is that it’s way cheaper than our previous life. We spend about half of what we did when living in Silicon Valley. I report all of our spending on the blog as well.

Things have been a little different since COVID-19 became a pandemic. However, for the moment, we’ve paused our travels as we wait to see how countries will deal with opening their borders and when/if a vaccine will be available.

We are currently waiting it out in Danang, Vietnam and will likely live here for at least 6 months. It’s a pretty nice city and there are definitely worse places that we could be. Vietnam as a whole did a great job handling the outbreak so there’s little risk of infection here.

10 | If you could offer any valuable advice to readers to retire early, what would it be?

Track your expenses. There’s nothing more powerful than that.

Once you know where all your money is going, it’s easy to figure out what spending is worthwhile and what is not providing value.

Then you can redirect that less than optimal spending towards investing. And once you get that investing ball rolling, it will pick up a lot of steam over time.

Einstein once called compound interest the most powerful force in the universe. Make sure it’s working for you.


Eric and Katie fulfilled their dream of being able to retire early. Their journey teaches us that no, you don’t have to earn a six figure income to achieve early retirement.

Compound interest is very powerful indeed and they used it to their full advantage by investing when they first started their careers.

They also focused investing primarily in index funds without the stress and hassle of handling single stocks. They read books like The Bogleheads Guide to Investing and The Four Pillars of Investing to familiarize themselves with how investing works.

Everyone dreams of the ability to retire early but often times we don’t implement the right steps to help us achieve the goal.

Eric and Katie is a prime example that it is possible simply by investing early, keeping track of your money, not comparing your life with others, set aside funds to still enjoy life, spending less money, and saving where you can.

Thank you Eric and Katie for sharing your inspiring story with us. Through your story, we see that it’s possible to retire early by implementing the right steps and having the right mindset to achieve a goal.

Don’t forget to check out Eric’s blog Bonus Nachos to see how they’re enjoying retired life traveling the world.

Are you ready to start your own debt free journey? Get started by grabbing this free Debt Thermometer and join us in the free 5-Day Debt Free Bootcamp to pay off $500 worth of debt in your first month.

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Tips On How To Get A Good Credit Score To 800-Woman Holding Phone and Credit Card Yellow Glasses-My Financial Hill
Lifestyle, Money

Tips On How To Get A Good Credit Score To 800

There are many benefits to having a good credit score. From qualifying for low interest rates for a mortgage, car loan, top tier credit cards, get approved for rentals, better insurance rates, and more. Having a great credit score can save you hundreds or thousands of dollars in interest. While there are many benefits to having great credit there are simple ways you can implement to get a score over 800. I’ll show you the exact tips I used to get a good credit score to over 800.

What is a credit score?

A credit score is basically a 3 digit number which is a financial institution’s version of a report card that assesses your overall credit risk. Basically, it determines how likely you may be to pay back a loan.

This is why lenders, landlords, or employees may check your credit score. It gives them an idea of the overall risk involved when lending you money, renting you an apartment, or even giving you a job.

All credit scores are not created equal. There are different companies that created their own credit scoring model which may yield different results. However, the most well known type of credit score is the FICO.

A FICO credit score is calculated based on 5 factors:

  • Payment History 35%
  • Amount Owed 30%
  • Length of Credit History 15%
  • New Credit Opened 10%
  • Type of Credit 10%
Tips On How To Get A Good Credit Score To 800-FICO Chart-My Financial Hill

Is a credit score and a FICO score the same?

Usually, when people think of a credit score, they may be referring to a FICO score which is the most well-known type of scoring system.

The FICO score was created in 1989 by the Fair Isaac Corporation. It was meant to streamline the lending process and make it fair and consistent, it is used by more than 90% of lenders.

Over time, other scoring models were created by other companies to serve as competition to the FICO score. It will be good to familiarize yourself with the idea that there are other credit score models out there. Another scoring model that may be more commonly used second to the FICO score is the Vantage Score Model.

Vantage Score Model

The Vantage Score Model was created in 2006 by the three well-known credit bureaus-Experian, Equifax, and TransUnion.

It has a very similar model compared to a FICO score which consists of:

  • Payment History 40%
  • Age and Type of Credit 21%
  • Credit Utilization 20%
  • Total Credit Balances 11%
  • Recent Behavior/Applications 5%
  • Available Credit 3%
Tips On How To Get A Good Credit Score To 800-Vantage Score Chart-My Financial hill

Other Credit Scoring Models:

  • FAKO Scores
    • Free scores referred to as “educational” or “equivalency” scores for consumers knowledge only. It is not used during the lending process.
    • FAKO score range can be very similar to your FICO score.
  • TransRisk
    • Based on data from TransUnion which determines risk of newly opened accounts rather than existing ones.
    • Not widely used due to it’s limitations in assessment.
    • TransRisk scores have been known to be lower than a FICO score.
  • Experian’s National Equivalency Score
    • Can be obtained for free at Credit Sesame or Credit.com
    • Score ranges from 360-840
  • Credit Xpert Credit Score
    • Developed to help approve new accounts for businesses.
    • It was created to help detect inaccurate information on credit reports to help raise scores fast.
  • CE Credit Score
    • Free and available at Quizzle to give consumers a transparent and accurate depiction of their score.
    • The scoring ranges from 330-830

What are the ranges for a credit score?

Credit scores have numerical ranges. For the FICO score, it goes anywhere from 300-850 at the highest. The chart below is based from the information provided from Experian. For simplicity purposes, we’ll cover the two major credit scoring models: FICO and Vantage Score Model.

The FICO credit score ranges from:

  • 300-579 Very Poor-16% of the American population
  • 580-669 Fair-17% of the population
  • 670-739 Good-21% of the population
  • 740-799 Very Good-25% of the population
  • 800-850 Exceptional-21% of the population
Tips On How To Get A Good Credit Score To 800-FICO Score Range-My Financial Hill

Vantage Score Model ranges from:

The Vantage Score Model is very similar to the FICO Score Model. It has a range from 300-850. According to White Jacobs, the data below indicates which percentage of the population falls within the credit score range.

  • 300-549 Very Poor-17% of the American population
  • 550-649 Poor-34% of the population
  • 650-699 Fair-18% of the population
  • 700-749 Good-13% of the population
  • 750-850 Excellent-30% of the population
Tips On How To Get A Good Credit Score To 800-Vantage Score Range-My Financial Hill

Where can I get a free credit score?

If you want to check your credit score, there are plenty of sites that can give you a glance for free. It’ll be good to know where you stand.

FICO

  • Discover Credit Scorecard
  • Experian
  • Bank of America
  • Barclays
  • Citibank
  • Chase
  • Wells Fargo

Vantage

Why do I need good credit?

Tips On How To Get A Good Credit Score To 800-Woman holding credit cards and wallet-My Financial Hill

People often rely on credit for many big financial decisions in their lives. We often need credit to borrow money for purchases like a car, home, credit cards, personal loans, student loans, apply for rentals, or even to pass employment checks.

Having good credit can often save you more money and simply just make your life a bit easier. There are 6 great reasons to bump up your credit score and maintain great credit.

1 | Savings On Interest

Those who have great credit will generally be eligible for lower interest rates than those with poor credit. This can save you a lot of money over time! Check out the example for different interest rates applied between poor credit to good credit below:

781-8504.69% Interest$25,000 Loan Amount60 Months$28,094$3,094 Interest Paid Over Time
601-66010.91% Interest$25,000 Loan Amount60 Months$32,546$7,543 Interest Paid Over Time

When any money is borrowed from banks, interest is applied. You want to aim for the lowest interest rate as possible so it can save you money in the long run.

In the example provided above, a person within the 781-850 credit score range pays $3,094 over 60 months compared to paying $7,543 if they had a 601-660 credit score. The person with the better credit score would save $4,449 over time.

It’s best to always aim for a high credit score to benefit from the lowest interest rates available. This can be applied to all types of loans from mortgages, personal loans, car loans, and more.

2 | Better Credit Offers

Those with good to excellent credit can be eligible to apply for great credit offers. There are credit cards that offer significant amount of bonus points for travel based on a spending limit usually. These travel cards will often require Good to Excellent credit in order to be approved. Some of the travel cards are:

  • Chase Sapphire Preferred Card– $1,200 Bonus Points Value
  • Capital One Venture Card– $700 Bonus Points Value
  • American Express Gold Card– $700 Bonus Points Value
  • Delta SkyMiles Card by American Express-$580 Bonus Points Value
  • Alaska Airlines Visa Card-$820 Bonus Points Value

Ever since we paid off all our credit cards, our credit score has skyrocketed. Now we always get approved for the best travel rewards credit cards. Find out how we got a free cruise or free flights to Las Vegas below.

Read More:

How We Got Our Free Cruise

How We Got Free Flights to Las Vegas

3 | Better Rates For Car Insurance

Having a higher credit score will often give you better premiums for your car insurance. While you may not be turned down for having poor credit, having a good credit score will certainly get you lower premiums.

4 | Increase Chances of Approval for Rentals

Landlords can check your credit report and credit score to determine if they should approve your tenant application or not. It’s up to the Landlord whether or not they want to approve you based on the information.

If you have poor credit, they may not turn you away depending on the situation. However, they may require a higher security deposit or have a co-signor in order to approve you. On the other hand, if you have great credit they may be quick to approve you.

5 | Waive Security Deposit

There are instances where security deposits may be waived.

Some utility companies that may check your credit history. If you don’t have the best credit, they may ask for a security deposit or a letter-of-guarantee which a family member or friend may pay your bills if you’re unable to.

Cell phone companies may also waive a security deposit to those with good credit and also offer a discounted price of phones.

6 | Employment Hiring Process

Did you know that some companies check your credit as part of the hiring process? They check credit as a means to verify someone’s financial responsibility, verify identity, and background.

In some instances, companies may find it necessary to run a credit check on individuals who will be assigned to managing other people’s funds. They can’t have people who aren’t able to handle their own financial matters properly to take care of client’s finances.

What are the steps to get a good credit score to 800?

Tips On How To Get A Good Credit Score To 800-Good Credit-My Financial Hill

For as long as I can remember, my credit score has never broke 800 until last year. My credit score even dipped down to the 600’s while I was in school. My score has passed the 800 mark and I’ll show you exactly what I did to get it there.

Pay Bills on Time

Late payments can hurt your credit score and it accounts for 35% of your FICO rating. The bad news is that late payments, more than 30 days late, can stay on your credit report for up to 7 years! Yikes.

This is one thing that I always tried to keep up with. I tried to always pay my bills on time even if it was minimum payments. However, there were occasional times when bills may slip through the cracks.

There were times when I didn’t set my auto payment for a credit card and missed a payment here and there. The great part is, it’s easy to get this issue resolved with credit card companies.

You can usually call them and explain your situation, most of the time they will reverse any late fee charged on your statement.

Usually, credit card companies won’t report the late payment if it’s a few days late. If it passes an entire billing cycle, they will usually report it to the credit agency.

If you’ve missed a payment, make sure to pay as soon as you can.

Another huge downside to missing payments for credit cards is when they’re able to remove a promotional interest rate offered to you. Say, you were getting a promotional rate of 0%, well if you miss a payment, they can change that interest rate to their original rate of 18% or higher.

Suggestions:

  • Set reminders to help you pay your bill on time
  • Set up auto pay
  • Call creditors as soon as you notice you’ve missed a payment

Keep Your Debt Balances Low

Your overall debt to credit ratio accounts for 30% of your FICO score. It’s beneficial to have a higher credit to debt ratio. If you owe too much money compared to your credit limit, this can have a negative impact on your score.

This is the main area that has significantly boosted my credit score to over 800. My current FICO credit score below:

Tips On How To Get A Good Credit Score To 800-My Financial Hill 836 Current Credit Score

My credit score had always toggled around the upper 600’s and mid 700’s. Especially when I was in school, my credit rating plummeted because I wasn’t working to pay off my credit cards.

I noticed that as soon as we started attacking our credit debt, our credit scores shot up. When my husband and I first started our debt paying journey, we used the Snowball Method and paid off all our credit cards.

Paying off our credit balances dramatically increased our credit availability limit. Since this category makes up 30% of a FICO score, it was the factor that helped me get into the 800 score club.

Suggestions:

  • Pay off your credit cards using the Snowball Method
  • Try using only 1 credit card to pay off the balance in full each month
  • Call creditors and ask for a credit limit increase

Read More:

How To Get Out of Debt With These 5 Tips

Snowball Method

How to Budget Your Money For Beginners

Want to start getting yourself out of debt? We knocked out over $100,000 in just 24 month and you can find out some great tips to get yourself started too. Grab your free Debt Thermometer and join us in the free 5-Day Debt Free Bootcamp.

Credit Inquiries Impact Credit Score

Credit inquiries can make an impact on your credit score by a few points. If you were to open up many credit cards around the same time frame, it can affect your score significantly.

There are hard inquiries which directly impact your score and soft inquiries which doesn’t have an affect on it.

Hard inquiries generally can stay on your credit report for a little over two years.

Hard Inquiries on Credit

  • Opening up a cell phone plan
  • Applying for a mortgage
  • Applying for an auto loan
  • Opening up a credit card
  • Applying for a student loan
  • Requesting for a credit line increase
  • Getting a rental car with a debit card (possibly hard inquiry pull)
  • Applying for a personal loan
  • Applying for rental apartments

Soft Inquiries on Credit

  • Credit card companies automatically raising your credit limit
  • Pre-approval offer from a lender
  • Checking your own credit report

Suggestions:

  • If you need a loan for a car or mortgage, it’s better to shop around during a short time frame. Some scoring models will consider the multiple inquiries as a single inquiry if it’s done under a small time frame.
  • Check your credit report to make sure there are no other hard inquiries that you are not aware of. You may be able to have them removed if you didn’t authorize the credit pull.
  • Only apply for credit if you really need it.

Length of Your Credit History Matters

The length of your credit history has a 15% impact of your FICO credit score. The longer you have a credit line opened, the better it will help your score over time. Especially, if you’re making payments on time. It’ll be best not to close out any credit cards you have, even if you don’t plan on using them.

When we started paying off all our credit cards, I didn’t cancel our cards. Some of my cards are over 10 years old. All we did was pay off all balances and just leave them alone.

My husband actually canceled 1 credit card which he had for years not knowing it would impact his score. Next thing we knew, his score dropped and it hasn’t reached the 800’s as I have.

Monitor Your Credit

It’s always important to keep tabs on your credit report. There may be things on there that can have negative impacts on your score.

I check my credit report at least once a year just to make sure everything is in good standing and there are no errors.

One time, my information was associated with a completely random address. I had to correct that right away because that property had a lien associated with it. It was bizarre.

You can also check all your accounts to see if there are any delinquent payments posted. One of my student loans actually reported a 30-day late payment to the credit bureau without my knowledge. Delinquencies have a negative impact on your report and score and can stay on your report for up to 7 years.

I called up the student loan provider and had them reverse that initial report.

Suggestions:

  • Check your free credit report and score on Credit Karma
  • Get your free annual credit report on Annual Credit Report (only credit report, no credit score)
  • Fix any discrepancies on your credit report
  • If there are any delinquent payments, reach out to your loan provider and see if they can help you remove it

Give Your Score a Boost

If you’re looking for a boost to your credit score, you can give Experian Boost a try.

If you pay for your cell phone bills or utility payments through your checking account, Experian Boost considers that as on-time payments.

Since payment history makes up 35% of your FICO score, this can significantly help your credit score.

How Do You Use Experian Boost?

First, you sign up for free with Experian Boost. Link your bank account that have been used for paying utility and cell phone bills on time.

Experian Boost then pulls all your on-time payments to apply. The boost to your Experian score can take as little as 10 minutes.

What Bills Can You Use For Experian Boost?

Experian Boost won’t work for credit card bills. It has to be payments made from a checking or saving account.

On time payments:

  • Utility (gas, water, electricity)
  • Cell phone/Land line
  • Cable

Experian Boost gathers your on-time payments and applies it towards your payment history giving you a credit score boost.

What to Consider When Signing Up For Experian Boost

Experian Boost can definitely help your credit score. According to Experian’s website, 86% of users with a FICO score of 579 and below saw an average increase of 21 points.

Although, the service can help boost credit scores, it doesn’t have the same effect across the board for all.

  • Can only use a checking/saving account for assessment of on-time payments
  • Need at least 3 months worth of bill payment history
  • Must have at least one credit card or a loan on your credit report.
  • Experian Boost is 64% more effective with very poor to fair FICO scores compared to only 3% effectiveness for those with very good to exceptional FICO scores.
  • Just because your score increased doesn’t mean your lender will use the same exact FICO scoring model as the one from your report.
  • Adding on-time payments to your credit file with Experian won’t transfer over to TransUnion or Equifax.

Is Experian Boost Worth It?

It’s a free service that can potentially help your credit score and it doesn’t take long at all to set up. If your credit is within the poor to fair range, it may be more worth while to try it out. Just keep in mind that if you are applying for a loan, check to see if the lender uses Experian.

Bottom Line

Having great credit will only help you financially and in life. It can save you thousands of dollars in interest, help you get approved for jobs or apartment rentals. You can improve your credit score and get it up to the 800’s as I have.

Most importantly, creating a budget has helped me tremendously in making sure I have enough funds for bills. Set up auto payment if your bad with paying bills on time. It’s very important to not be late with payments since it has a very large impact on your credit score.

Check your credit history and score at Credit Karma and dispute any discrepancies on your report.

Don’t cancel long term credit cards as it will have a negative impact on your credit score.

Keep your debt balances low by using the snowball method to pay off your debt, especially your credit cards. I think this has been the major reason why my credit score broke the 800 mark and is now 836. What I do now is use only 1 credit card and pay it off in full each month. Having a large credit to debt ratio will help your score out significantly!

If you need a fast credit boost, you can try Experian Boost.

I hope you found some helpful tips here and you can also be on your way to the 800 score club, thanks for stopping by!


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Debt, Lifestyle, Money

How To Start Your Own Free WordPress Blog With Bluehost

Has the thought ever crossed your mind that it may be awesome to have a blog to call your own? Maybe you’re really passionate about something, or you want to share your knowledge, and even maybe you’ve read blogging success stories of people making thousands of dollars a month from blogging. Well, what are you waiting for? You won’t know if you can succeed if you don’t try. I’ll show you how to start your own free WordPress blog with Bluehost.

Starting a blog can be a great hobby or it can also earn you major income. It all depends on which direction you want to go in. Either way, blogging can be very fun. There are days where I can spend hours working on my blog but it doesn’t feel like a drag, time definitely flies by way too fast. I guess when you enjoy doing something, it doesn’t feel like work at all.

The best part about starting a blog is how very inexpensive it is. You can start a FREE WordPress blog starting today. It’s really that easy. You may be wondering what is WordPress?

WHAT IS WORDPRESS?

WordPress is a blog and website creation tool where you can create and customize your content. It may be a website you want to create for your business or creating blog posts for your personal blog page.

To think of it simply, WordPress is like a house where you can customize and renovate it and add furniture (content) to your heart’s desire. However, a house sits on land. That’s where Bluehost comes in.

Keep in mind that you want WordPress.org and not WordPress.com. You can start your free WordPress blog or site through Bluehost (web hosting provider).

Why you want WordPress.org

  • Customize your site to your heart’s desire
  • Able to make money off your site by placing ads
  • Able to install any plugin you want
  • It is your OWN site and can’t be deleted at a whim

No need to worry about this at the moment. When you sign up with Bluehost, WordPress.org is what you will be using.

WHAT IS BLUEHOST?

Bluehost is a web hosting provider. Think of it like the land where the house sits on. Through Bluehost you choose your domain name (website name). Once you sign up with Bluehost, WordPress is then free to be used as your platform. The best part about starting your own free WordPress blog with Bluehost is that the fee is extremely inexpensive!

I’m talking about LESS THAN A CUP OF COFFEE a month. Yes, I’m serious! You can start your own free WordPress blog with them for as little as $3.95 a month. That’s incredibly affordable for creating something that can change your life.

I absolutely LOVE Bluehost! I mean it! Their customer service rocks! If I ever had questions about my site, I can chat with a representative at any hour of the day or night. Just the other day, I reached out to a rep at 11:30 at night and had my question answered.

Bluehost reps are the ones that helped me get my site up and running when I first started out and had no clue what I was doing. They’re really amazing. For $3.95 a month to start a blog/website/e-commerce page it’s totally worth it plus more!

Bluehost Benefits

  • Low rates– Starting at $3.95 a month to host your website (plan I still use till this day)
  • Awesome customer service
  • Easy setup and integration with WordPress
  • Free WordPress site included

HOW TO START A FREE WORDPRESS BLOG ON BLUEHOST

First you need to head to Bluehost site to register your domain name and sign up for your website hosting. Bluehost if offering a 50% discount at a very low rate of $3.95 a month compared to $7.99 a month for this service. For their level of service, easy-to-use platform, plus a free WordPress site, it can’t get any better than that.

Sign up at the discounted rate of $3.95/month with Bluehost-Click Here

How To Start Your Own Free WordPress Blog With Bluehost-Bluehost Main Screen-My Financial Hill

Next, pick your plan

How To Start Your Own Free WordPress Blog With Bluehost-Bluehost Pick Plan-My Financial Hill

If you’re just starting out, choose the basic plan. That’s what I started out with and still use till this day. You always have the option of upgrading your plan later if you need to. The basic plan should be more than enough.

Choose your domain (website) name

How To Start Your Own Free WordPress Blog With Bluehost-Bluehost Set Up Domain-My Financial Hill

You can choose your domain (website) name at this point, or come back to it if you can’t think of a good name yet. Also, you always have the option of changing your website name later if you’re not happy with what you chose to begin with.

Create Your Account and Pick Your Plan

How To Start Your Own Free WordPress Blog With Bluehost-Bluehost Create Account-My Financial Hill

Within the basic plan, you can sign up for a 12 month plan, 24 month plan, or 36 month plan. When I first signed up with Bluehost, I chose the 36 month plan because I wanted the cheapest monthly cost possible. That is basically $3.95 per month, $47.40 for the year or $142.20 for 36 months. I pay triple in my cable bill for one month compared to what I pay for in a whole year to run my blog.

If you’re not sure about a 36 month plan, you can always try it for 12 months which will be $5.95 a month or $71.40 for the year. That’s still a really good price to run a website that you can call your own.

To get the cheapest rate, signing up for the 36 month plan would be the best option.

How To Start Your Own Free WordPress Blog With Bluehost-Bluehost Package Information-My Financial Hill

After choosing your plan, there may be some ‘Package Extras’ that could be automatically checked off. I wouldn’t sign up for those tools just yet. First, get your website up and running and you can always download free ‘Plugins’ to meet your website maintenance needs. You can always sign up for those recommended programs by Bluehost later if you need to.

Install Free WordPress Blog

After signing up with Bluehost, your free WordPress blog and website will be automatically installed. That’s another reason why Bluehost is awesome, everything is very simple to use on their platform.

How To Start Your Own Free WordPress Blog With Bluehost-WordPress Themes-My Financial Hill

Choosing Your Theme

First, you will be prompted to choose your theme. There will be lots and lots of free themes to choose from. There will also be premium themes available at a cost. You can choose the theme that you like the most.

When I first started my free WordPress blog, I chose a free theme but quickly ended up with a premium theme. Surprisingly enough, using a free theme was actually a lot harder than using a premium theme.

I found that I had to manually try to “build” a page having to customize every single thing which made it extremely difficult for me since I was completely new to the coding/web page building world.

A premium theme was incredibly easy to use. Everything from the home page, posts, contact pages were already beautifully styled and all I had to do was change wording around.

For people that are new to blogging/website creation, I HIGHLY recommend a premium theme. Save your time, frustration, and energy to create what’s valuable which is your content!

For my site I use the Newspaper theme which you can get get HERE.

Envato Market-Theme Forest-Newspaper Theme-My Financial Hill

Type in “Newspaper” in the search bar and make sure to get Newspaper by tagDiv.

I highly recommend getting Newspaper, a premium theme, because it is so simple and easy to use. They have over 100+ beautifully designed themes within Newspaper. For instance, Newspaper has ready-to-go themes for EVERYTHING from architectural websites, lifestyle blogs, beauty blog, fitness, book club, car enthusiast, construction site, dental website, gadgets site, gaming site, home decor, travel blog, and so much more!

All you do is preview the theme that you want and if you like it, go ahead and install it on your site. All your pages and posts will be already customized and ready-to-go for you. This will save you hours upon hours trying to build your website from scratch. *Ahem, speaking from experience

Besides Newspaper, there will be other premium themes available, scroll through and pick one that will fit you best. I’m just recommending Newspaper because that’s all I’ve been using and know. Totally up to you to pick a theme that you like best.

Navigating WordPress

How To Start Your Own Free WordPress Blog With Bluehost-Welcome to WordPress-My Financial Hill

Once you arrive at the “Welcome to WordPress” page, click on “Business” or “Personal” depending on what you want your site to be about. For blogs, I would choose the “Personal” option.

Awesome, now you’re all ready to get started creating great content!

Just to familiarize yourself with the platform, let’s go over a few things you may see on your navigation bar on the left.

  • Posts– Primarily used for your blog content.
  • Media-Upload your pictures, videos, and other media files for your site
  • Pages– This is where you go to create your homepage, contact page, about me page, and more.
  • Comments-Check recently posted comments on your site.
  • Appearance-This is where you can go to customize the layout of your site by changing themes or adding in widgets.
  • Plugins-Offer extra add-ons to your site if you want specific forms, back-up programs, gallery display, number counters, calendars, graphs, and so much more. There’s a plugin for EVERYTHING. You will find all sorts of plugins specific to your site’s needs.

There you have it, now you know how to start a free WordPress blog through Bluehost. It’s simple and easy to sign up. Bluehost has awesome customer service and they will help you with any concerns you may have. $3.95 a month is so worth having your own beautiful blog and website to call your own.

If you have any questions at all, I’ll do my best to help you out. Reach out to me here.

Alright, now you’re ready to put yourself out there and share with the world!

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15 Inspiring Quotes for Motivation and Encouragement-My Financial Hill
Lifestyle

Inspirational Quotes for Motivation and Encouragement

Inspirational quotes has the ability to give us much needed motivation or encouragement when we are going through tough times. No matter what circumstance you’re in, or what mountain lies ahead of you, never give up. Find strength through 15 of these best inspirational quotes that’ll get you motivated and encourage you!

1 | IT ALWAYS SEEMS IMPOSSIBLE UNTIL IT’S DONE

It always seems impossible until it's done Inspirational quotes for motivation and encouragement-MyFinancialHill

2 | WINNERS ARE NOT THOSE WHO NEVER FAIL BUT THOSE WHO NEVER QUIT

Winners are not those who never fail but those who never quit-MyFinancialHill

3 | A WINNER IS A DREAMER WHO NEVER GIVES UP

A winner is a dreamer who never gives up-Inspirational quotes for motivation and encouragement-MyFinancialHill

4 | TODAY IS YOUR OPPORTUNITY TO BUILD THE TOMORROW YOU WANT

Today is your opportunity to build the tommorow you want-Inspirational quotes for motivation and encouragement-MyFinancialHill

5 | SUCCESS DOESN’T COME FROM WHAT YOU DO OCCASIONALLY

Success doesn't come from what you do occasionally-Inspirational quotes for motivation and encouragement-MyFinancialHill

6 | NOTHING IS IMPOSSIBLE. THE WORD ITSELF SAYS ‘I’M POSSIBLE

Nothing is impossible. The word itself says 'I'm possible-Inspirational quotes for motivation and encouragement-MyFinancialHill

7 | DO SOMETHING TODAY THAT YOUR FUTURE SELF WILL THANK YOU FOR

Do something today that your future self will thank you for-Inspirational quotes for motivation and encouragement-MyFinancialHill

8 | WHETHER YOU THINK YOU CAN OR YOU CAN’T YOU ARE RIGHT

Whether you think you can or you can't you are right-Inspirational quotes for motivation and encouragement-MyFinancialHill

9 | A GOAL WITHOUT A PLAN IS JUST A WISH

 A goal without a plan is just a wish-Inspirational quotes for motivation and encouragement-MyFinancialHill

10 | THE ONLY PERSON YOU ARE DESTINED TO BECOME IS THE PERSON YOU DECIDE TO BE

The only person you are destined to become is the person you decide to be-Inspirational quotes for motivation and encouragement-MyFinancialHill

11 | WHEN YOU THINK OF QUITTING REMEMBER WHY YOU STARTED

When you think of quitting remember why you started-Inspirational quotes for motivation and encouragement-MyFinancialHill

12 | DON’T BE PUSHED BY YOUR PROBLEMS BE LED BY YOUR DREAMS

Don't be pushed by your problems be led by your dreams-Inspirational quotes for motivation and encouragement-MyFinancialHill

13 | YOU’RE BRAVER THAN YOU BELIEVE, STRONGER THAN YOU SEEM, AND SMARTER THAN YOU THINK

You're braver than you believe stronger than you seem and smarter than you think-Inspirational quotes for motivation and encouragement-MyFinancialHill

14 | DIFFICULT ROADS OFTEN LEAD TO BEAUTIFUL DESTINATIONS

Difficult roads often lead to beautiful destinations-Inspirational quotes for motivation and encouragement-MyFinancialHill

15 | THE SECRET TO GETTING AHEAD IS GETTING STARTED

The secret to getting ahead is getting started-Inspirational quotes for motivation and encouragement-MyFinancialHill

No matter what journey lies ahead or what you may be going through, find some strength to push through with these awesome inspirational quotes for motivation and encouragement.

These quotes encourage me to keep going on paying off my $116,000 worth of debt. So far my husband and I have paid off $77,750, we have $38,250 more to go. Find out how We paid off $50,000 in 10 months.

Follow your dreams, goals, and never give up…

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Lifestyle

Air Fryer Recipes that’s Healthy and Low Carb for Dinner

If you’re trying to watch your calories, carb intake, or eat more keto-friendly foods, it may be difficult to imagine eating anything breaded or fried. That’s where the Air Fryer comes into play. You no longer have to deep fry foods to get them crispy. The Air Fryer can help you cook your favorite foods in a healthier way. Plus it’s so much easier to use and can ultimately help you to save more money by cooking at home. Here are 30 of the best air fryer recipes that’s healthy and low carb for dinner.

If you need more keto or low-carb dinner recipes that doesn’t involve the air fryer, check out my other post:

20 Easy Keto Low Carb Recipes For Dinner

1 | Keto Air Fryer Pork Chops

MyFinancialHill Keto Air Fryer Pork Chops Butter Sage Healthy Low Carb Dinner
Photo and recipe from All Day I dream About Food

Have delicious pork chops for dinner made from the air fryer. Get this recipe at All Day I Dream About Food. All you need to make this is boneless pork chops, butter, salt + pepper, and sage.

2 | Air Fryer Jerk Chicken Wings

MyFinancialHill Keto Air Fryer Jerk Chicken Wings Healthy Low Carb Dinner
Photo and recipe from My Forking Life

Spice up your dinner with these jerk chicken wings from My Forking Life. All you need to make this recipe is chicken wings, jerk seasoning, and salt.

3 | Air Fryer Keto Low Carb Fried Chicken Recipe

MyFinancialHill Keto Low Carb Fried Chicken Recipe Healthy Low Carb Dinner
Photo and recipe from Wholesome Yum

You can still have crispy fried chicken minus all the excess carbs, get the recipe at Wholesome Yum. All you need to make this are chicken drums, coconut flour, sea salt, black pepper, eggs, pork rinds, smoked paprika, garlic powder, and dried thyme.

4 | Keto and Low Carb Breaded Air Fryer Shrimp

MyFinancialHill Keto Low Carb Breaded Air Fryer Shrimp Recipe Healthy Low Carb Dinner
Photo and recipe from Dr. Davinah’s Eats

Try this shrimp recipe from Dr. Davinah’s Eats without worrying about heavy carbs from regular breading. All you need for this recipe is shrimp, baking powder, coconut flour, pork rind breading, sea salt, black pepper, eggs, dried parsley, and olive oil.

5 | Air Fryer Buffalo Wings Low Carb Keto

MyFinancialHill Air Fryer Buffalo Wings Low Carb Keto Recipe Healthy Low Carb Dinner
Photo and recipe from Maebells

There are alternatives to getting delicious buffalo wings without needing to deep fry them. Get this recipe at Maebells. All you need for this recipe are wings, baking powder, salt + pepper, garlic powder, buffalo sauce, butter, garlic, and apple cider vinegar.

6 | Air Fryer Bang Bang Shrimp

MyFinancialHill Air Fryer Bang Bang Shrimp Recipe Healthy Low Carb Dinner
Photo and recipe from Cook The Story

Try this ‘Bang Bang Shrimp’ recipe from Cook The Story without all the excess oil that comes with deep frying. All you need for this recipe is Shrimp, Thai chili sauce, mayo, Sriracha, honey or honey substitute, salt + pepper, buttermilk, and cornstarch.

7 | Air Fryer Breaded Pork Chops

MyFinancialHill Air Fryer Low Carb Tuna Patties Healthy Low Carb Dinner
Photo and recipe from Recipes From A Pantry

There’s no need for heavy breading in this recipe, it uses almond flour which has significantly less carbs than regular breading. Get this recipe at Recipes From A Pantry. All you need for this recipe is pork chops, almond flour, Parmesan cheese, paprika, Herbes de Provence, Creole Seasoning or Cajun seasoning, and cooking spray.

8 | Air Fryer Low Carb Tuna Patties

Try this tuna patty recipe from Whole Kitchen Sink. All you need for this recipe is canned tuna in water, almond flour, mayo, dried dill, garlic powder, onion powder, salt + pepper, and lemon.

9 | Air Fryer Catfish

MyFinancialHill Air Fryer Catfish Healthy Low Carb Dinner
Photo and recipe from Stay Snatched

Don’t miss out on fried fish! You can have a less greasy version of fried fish from Stay Snatched. All you need to make this dish is catfish fillets, Louisiana fish fry mix made for the air fryer, and olive oil.

10 | Air Fryer Chicken Breast

MyFinancialHill Air Fryer Chicken Breast Healthy Low Carb Dinner

This chicken breast recipe from Diet Hood can go with any healthy side like salad, cauliflower rice, or zoodles. All you need to make this is chicken breasts, water, kosher salt, olive oil cooking spray, ground pepper, garlic powder, sweet paprika, and dried oregano.

11 | Air Fryer Whitefish

MyFinancialHill Air Fryer Whitefish or Tilapia Healthy Low Carb Dinner
Photo and recipe from Best Recipe Box

Pair this Whitefish recipe from Best Recipe Box with cauliflower rice for a delicious light dinner. All you need for this recipe is tilapia or white fish, garlic powder, lemon pepper, onion powder, kosher salt, pepper, chopped parsley, and lemon wedges.

12 | Air Fryer Chicken Fajita Dinner

MyFinancialHill Air Fryer Chicken Fajita Healthy Low Carb Dinner
Photo and recipe from Cook The Story

Have a Fajita night with this recipe from Cook The Story. Swap out the tortillas and have it with a side of salad or cauliflower rice. All you need for this recipe is chicken breasts, bell peppers, onion, olive oil, chili powder, salt + pepper, cumin, and cayenne.

13 | Air Fryer Vegetable Kabobs

MyFinancialHill Air Fryer Vegetable Kebabs Healthy Low Carb Dinner
Photo and recipe from Recipes From A Pantry

Don’t want to eat meat for dinner? Try this vegetable kabob recipe instead from Recipes From A Pantry. For this recipe, you need skewers, mushrooms, tomatoes, zucchini, bell pepper, ground cumin, onion, and salt.

14 | Air Fryer Salmon Cakes

MyFinancialHill Air Fryer Salmon Cakes Healthy Low Carb Dinner

Try these healthy salmon cakes from Berry Maple. All you need for this recipe is salmon, eggs, salt, garlic powder, and lemon.

15 | Air Fryer Coconut Shrimp

MyFinancialHill Air Fryer Coconut Shrimp Healthy Low Carb Dinner
Photo and recipe from My Forking Life

Try this delicious coconut shrimp with a side of veggies from My forking Life for an easy dinner. All you need for this recipe is shrimp, eggs, flour, unsweetened shredded coconut, Panko breadcrumbs, salt + pepper, and cooking spray. Try subbing out the flour with almond flour and the Panko breadcrumbs with low carb breadcrumbs for an even healthier version of this recipe.

Like what you see so far? Share the love by pinning below! Find 15 more delicious air fryer recipes that’s healthy and low carb for dinner on the next page!

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45 Healthy Weight Loss Recipes To Get Slimmer
Lifestyle

Healthy Weight Loss Smoothie Recipes To Get Slimmer

Smoothies are just plain awesome! They’re great for on-the-go meals or just for times when you don’t feel like cooking up a big meal only to clean tons of dishes after. Not only do they taste delicious, they’re often loaded with vitamins and minerals depending on what you put in there. Some store bought smoothies can be loaded with fattening and heavy ingredients which may hinder any weight loss journey you may be on. Smoothies can be good for weight loss and fat burning depending on the recipe.

Smoothies can give you daily serving of vegetables and fruits while helping you lose weight. It will be best to add smoothies to your daily regimen along with a well balanced diet and exercise to really achieve weight loss. Smoothies can curb your appetite by adding protein powders to keep you full longer. Some natural ingredients may even help you burn fat easier and kick start your metabolism.

Smoothies are so simple to make too! Before you get started, make sure you have the right Blender for max efficiency. If you end up making a large batch of the smoothie, store it in cups and place them in the freezer. The night before, I will defrost the frozen smoothie in the refrigerator and it will be ready to go the next morning. Plus I love using frozen fruit and vegetables because there’s no cooking involved, it’s perfect for rushed mornings. These 45 healthy weight loss smoothie recipes will give you plenty of ideas that will last you a while, enjoy!

1 | Fat Burning Smoothie

Fat-Burning-Green-Smoothie-Healthy-Weight-Loss-Smoothie Recipes
Photo and recipe from Simple Green Smoothies

This smoothie is a metabolism booster and fat burner according to Simple Green Smoothies. All you need to make this is spinach, mint leaves, celery, green tea, grapefruit, pineapple, and avocado.

2 | Metabolism Boosting Smoothie

Metabolism-Boosting-Smoothie-Green-Tea-Coconut-Milk-Spinach-Banana-Grapefruit-Pineapple-Whey-Protein-Healthy-Weight-Loss-Smoothie Recipes
Photo and recipe from Sunkissed Kitchen

This smoothie is sure to give your metabolism a kick-start. It’s packed with lots of nutrients proven to help with weight loss according to Sunkissed Kitchen. All you need is green tea, coconut milk, spinach, banana, grapefruit, pineapple, ice, and whey protein.

3 | Skinny Almond Butter Banana Smoothie

Skinny-Almond-Butter-Banana-Smoothie-Almond-Milk-Chia-Seeds-Healthy-Weight-Loss-Smoothie Recipes

Swap out your heavy deserts with this healthy and savory smoothie from Simple Green Moms. It’s easy to make and all you need to make this is frozen bananas, unsweetened vanilla almond milk, almond butter, and chia seeds.

4 | Metabolism Boosting Blueberry Smoothie

Metabolism-Boosting-Blueberry-Smoothie-Spinach-Banana-Flaxseed-Chia-Seed-Healthy-Weight-Loss-Smoothie Recipes
Photo and recipe from Suburban Simplicity

This smoothie is packed with antioxidants from the blueberries and other nutrients like fiber, folate, and vitamin C from the added spinach according to Suburban Simplicity. This smoothie is sure to give your metabolism a boost. All you need to make this is protein powder, unsweetened almond milk, ice, blueberries, spinach leaves, banana, and ground flaxseed or chia seeds.

5 | Protein-Packed Keto Breakfast Smoothie for Weight Loss

Protein-Packed-Keto-Breakfast-Smoothie-Berries-Flaxseed-Cottage-Cheese-Vanilla-Extract-Healthy-Weight-Loss-Smoothie Recipes

This healthy weight loss smoothie recipe is packed with protein, antioxidants, vitamins, essential minerals, and healthy omega-3’s according to keto pots. Instead of eating a heavy breakfast, try this smoothie instead. All you need to make this smoothie is berries, flaxseed meal, ice, almond milk, cottage cheese, vanilla protein powder, vanilla extract, and liquid Stevia.

6 | Skinny Mint Smoothie

Skinny-Mint-Spinach-Banana-Avocado-Dates-Cacao-Healthy-Weight-Loss-Smoothie-Recipes
Photo and recipe from Simple Green Smoothies

Try this minty and delicious smoothie without all the excess calories but packed with nutrients instead. Get the recipe at Simple Green Smoothies. All you need for this recipe is unsweetened almond milk, spinach, mint leaves, banana, avocado, dates, and cacao powder.

7 | Super Berry Weight Loss Smoothie

Super-Berry-Almond-Milk-Bananas-Berries-Healthy-Weight-Loss-Smoothie-Recipes
Photo and recipe from Nutrition Twins

This refreshing smoothie is delightfully sweet and packed with antioxidants, fiber and protein as stated on Nutrition Twins. All you need to make this is almond milk, bananas, berries, and protein powder.

8 | Fat Burning Strawberry and Mango Smoothie

Fat-Burning-Strawberry-Mango-Coconut-Water-Ginger-Root-Cinnamon-Cayenne-Pepper-Healthy-Weight-Loss-Smoothie-Recipes

Get this fat burning smoothie at Hello Glow. This smoothie has fat burning ingredients like Cayenne and Cinnamon as stated on their site. All you need to make this refreshing smoothie is coconut water, strawberries, mango, ginger root, cinnamon, and cayenne pepper.

9 | Fat Burning Chocolate Smoothie

Peanut-Butter-Oatmeal-Almond-Milk-Cinnamon-Cayenne-Liquid-Stevia-Healthy-Weight-Loss-Smoothie-Recipes

If you love chocolate, then this recipe is perfect for you. It’s packed with protein and has the sweetness from bananas which will help your sweet tooth. Primally Inspired has this fat burning smoothie recipe. All you need to make this is coconut milk, banana, leafy greens, and protein powder.

10 | Peanut Butter Oatmeal Smoothie for Weight Loss

Photo and recipe from Flaxseed and Fairytales

This smoothie should keep you full with added protein and rolled oats. Plus it has a bit of cayenne and cinnamon which aids in fat burning and weight loss as stated on Flaxseed and Fairytales. All you need to make this smoothie is rolled oats, banana, almond milk, peanut butter, protein powder, cinnamon, cayenne, and liquid Stevia.

11 | Slim Down Smoothie with Avocado and Spinach

Slim-Down-Smoothie-Avocado-Spinach-Banana-Peanut-Butter-Coconut-Almond-Milk-Healthy-Weight-Loss-Smoothie-Recipes

Learn how to make your slim down smoothie at Elevate Fit Coach. All you need to make this is avocado, spinach, banana, peanut butter, vanilla whey protein, coconut almond milk, and ice.

12 | Green Keto Smoothie

Green-Keto-Avocado-Kale-Cucumber-Ginger-Coconut-Water-Chia-Seeds-MCT-Oil-Stevia-Healthy-Weight-Loss-Smoothie-Recipes
Photo and recipe from Appetite For Energy

This smoothie recipe from Appetite For Energy is full of healthy fats and veggies as stated on their site. It also can help with weight loss and burning fat. All you need is avocado, kale, cucumber, ginger root, coconut water, water, ice, chia seeds, MCT oil, and liquid stevia.

13 | Skinny Cherry Banana Smoothie

Skinny-Cherry-Banana-Greek-Yogurt-Milk-Healthy-Weight-Loss-Smoothie-Recipes
Photo and recipe from Inside BruCrew Life

This smoothie is packed with protein and fruit which will help keep you full longer, find the recipe at Inside BruCrew Life. All you need to make this is cherries, banana, greek yogurt, fat free milk, and protein powder.

14 | Flat Belly Blueberry Basil Smoothie

Flat-Belly-Blueberry-Basil-Banana-Almond-Milk-Greek-Yogurt-Lemon-Juice-Flaxseed-Almond-Butter-Healthy-Weight-Loss-Smoothie-Recipes

This smoothie is loaded with bloat fighting nutrients, get the recipe at Eating Bird Food. To make this smoothie, you need blueberries, banana, almond milk, basil, greek yogurt, lemon juice, ground flaxseed, and almond butter.

15 | Weight Loss Chocolate Strawberry Smoothie

Chocolate-Strawberry-Almond-Butter-Honey-Skim-Milk-Banana-Healthy-Weight-Loss-Smoothie-Recipes

This smoothie will give you a protein boost and leave you feeling energized according to Driscolls. All you need to make this smoothie is strawberries, almond butter, honey or agave nectar, skim milk, chocolate protein powder, banana, and ice.

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20 Easy Keto Low Carb Recipes For Dinner - MYFINANCIALHILL
Lifestyle

20 Easy Keto Low Carb Recipes For Dinner

Dinner is by far the best and most delicious but heavy meals of the day. There’s so much variety for dinner options it’s unlimited on what you can do. Sometimes dinner meals can be very heavy but why make it worse by loading it up with carb filled meals? Choose easy keto low carb recipes to make dinner somewhat better for you. So, what’s dinner without pasta, rice, or potatoes? There’s plenty of delicious keto-friendly and low carb options for dinner. Matter of fact, there’s a list of 20 scrumptious easy keto low carb recipes to choose from. What’s even better is that all these recipes are super easy to make and not complicated at all with less than 8 ingredients. Enjoy!

By the way, if you ever get stuck on what to make for the week then check out $5 Meal Plan. They send you weekly meal plan recipes, ingredients list, and a nutritional breakdown so that it helps you save time and money when it comes to meal planning. Plus they’re offering a free 14 day trial right now, after the trial it’s $5 a month. It’s good for people who don’t like to spend so much time trying to come up with new things to make.

1 | Keto Low Carb Tacos

Have a taco night without the carb filled tacos! Find out how to make keto friendly shells that’s made with cheese. All you need is cheese, protein choice, taco seasoning, and tomatoes and chiles. Find this recipe at Plain Chicken.

2 | Honey Garlic Shrimp Skillet

Recipe and Image from The Cooking Jar

How does sweet and savory shrimp sound for dinner? All you need is shrimp, garlic, ginger, honey, and soy sauce. Find the recipe at The Cooking Jar.

Note: Honey in the recipe from The Cooking Jar may throw off your low carb goal but I’ve come across Pyure which is an organic and vegan honey alternative with 4g of NET carbs. Substitute the honey with Pyure and pair the dish with cauliflower rice to make it more low carb friendly.

3 | Asian Soup With Ginger

Recipe and photo from Kalyns Kitchen

In the mood for some healthy soup? All you need on hand is chicken broth, ginger, mushrooms, spinach, and onions. Find the recipe at Kalyns Kitchen.

4 | Sesame Crusted Salmon

Recipe and photo from The Cooking Jar

Get your healthy dose of Omega 3’s by eating salmon. For this dish all you need is salmon, poppy seeds, toasted sesame seeds, minced garlic, minced onion, and sea salt. Get the recipe at The Cooking Jar.

5 | Chicken with Rosemary Butter Sauce

Recipe and Photo from Lets Dish Recipes

How does delicious chicken with rosemary sound? All you need is chicken, butter, chicken broth, heavy whipping cream, and of course the rosemary. Get the recipe at Lets Dish Recipes.

6 | Chicken Tikka Masala

This super simple meal will cook up in no time plus it’s keto-friendly. All you need is chicken, olive oil, masala sauce, and cauliflower rice. Find the recipe at Organically Addison.

7 | Low Carb Mongolian Beef

Photo and recipe from Noshtastic

Make this savory dish for your family tonight. All you need is flat iron steak, coconut oil, green onions, coconut aminos, ginger, and garlic. Get the recipe at Noshtastic.

8 | Keto Crispy Chicken Wings

Photo and recipe from Fat For Weight Loss

Love chicken wings but not all the batter? Try this recipe out at Fat For Weight Loss. All you need are chicken wings, baking powder, smoked paprika, cajun spice mix, turmeric, and Salt+Pepper.

9 | Keto Creamy Asparagus and Shrimp Alfredo

In the mood for some Italian food, minus the pasta? All you need is shrimp, butter, asparagus, heavy cream, Parmesan cheese, and Salt+Pepper. Get the recipe at Health Starts in the Kitchen.

10 | Jalapeno Popper Chicken

Photo and recipe from Cast Iron Keto

Do you like spicy food? Try this Jalapeno Popper Chicken dish from Cast Iron Keto. All you need is chicken breasts, jalapenos, cheese, and bacon.

11 | Low Carb Spaghetti Squash with Goat Cheese

Photo and recipe from My Life Cookbook

Want an easy and healthy alternative to eating pasta? Try spruced up spaghetti squash. All you need to make this is bacon, garlic, spaghetti squash, walnuts, and goat cheese. Get the recipe at My Life Cookbook.

12 | Easy Keto Chicken and Zucchini Noodles Alfredo

Photo and recipe from My Life Cookbook

Try another Italian inspired dish minus the pasta. All you need to make this dish is butter, cream cheese, heavy cream, parmesan cheese, garlic, chicken, and zucchini. Get the recipe at My Life Cookbook.

13 | Crispy Air Fryer Pork Chops

Recipe and Photo from This Moms Menu

Do you love crispiness of food but want to avoid deep frying it? Try an Air Fryer to fry your food instead. To make this dish, all you need is pork chops, almond flour, Parmesan cheese, garlic powder, creole seasoning, and paprika. Get the recipe at This Moms Menu.

14 | Keto Salmon with Pesto and Spinach

Recipe and photo from Diet Doctor

Get your nutrients in with this simple and delicious dish. All you need is salmon, mayo, pesto, Parmesan cheese, spinach, and olive oil. Get the recipe at Diet Doctor.

15 | Instant Pot Beef and Peppers

Make whipping up dinner a breeze by making this beef and peppers dish with an Instant Pot. This dish cooks up in 12 minutes with the Instant Pot! All you need to make this dish is bone broth, ground beef, red bell peppers, Seasoning, and a white onion. Get the recipe at 40 Aprons.

16 | Keto Philly Cheesesteak Stuffed Peppers with Cauliflower

Photo and recipe from Food Faith Fitness

Do you love Philly cheese steaks but don’t want to eat tons of carbs? Try this healthier version that will get you vegetable servings at the same time. All you need is steak, cauliflower, green bell peppers, Provolone cheese, onions, olive oil, and salt. Get the recipe at Food Faith Fitness.

17 | Creamy Chicken Taco Soup

Photo and recipe from This Moms Menu

In the mood for some soup? Try this creamy chicken taco soup if you have chicken broth, chicken, Ro-Tel, taco seasoning, cream cheese, and shredded cheese on hand. Get the recipe at This Moms Menu.

18 | Eggplant Lasagna

Photo and recipe from KetoLogic

Swap out the heavy pasta with eggplant giving it a nutritional boost. All you need to make this dish is eggplant, sausage, olive oil, salt, marinara sauce, and cheeses. Get the recipe at KetoLogic.

19 | Instant Pot Pork Stew

Recipe and photo from Two Sleevers

Want something nice and hearty? Make this spicy pork stew in an Instant Pot. All you need is an onion, garlic, rotel, thyme, seasoning, pork, heavy whipping cream, and spinach. Find the recipe at Two Sleevers.

20 | Keto Pan Fried Coconut Shrimp

Try some sweet and crunchy keto-friendly coconut shrimp. All you need is shrimp, coconut flour, coconut flakes, fruit sweetener, eggs, salt, and coconut oil. Get the recipe at Meganseelinger.

Cut the carbs from your dinner meals by cooking up these delicious keto-friendly low carb recipes. Let me know which one of these easy keto low carb recipes was your favorite. Now that you have some ideas for dinner how about Breakfast? Find some more meal ideas below.

Related: 10 Easy Breakfast Ideas

I hope you will try and enjoy one of these easy keto low carb recipes for dinner. Let me know which one was your favorite.

Don’t forget to share the love by pinning below! Thanks for stopping by!


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Lifestyle

10 Easy Breakfast Ideas

Breakfast is one of the most important meals of the day. Eating something in the morning will get you ready for the day ahead. What’s even better is having something delicious for breakfast. It’s always best to switch up recipes so you don’t get sick of eating the same thing over and over. Hopefully these 10 easy breakfast ideas will help you do just that. What makes these recipes easy is that it requires only 5 ingredients and under, so it’s super simple and easy to make. Enjoy!

If you ever get stuck on what to make for the week then check out $5 Meal Plan. They send you weekly meal plan recipes, ingredients list, and a nutritional breakdown so that it helps you save time and money when it comes to meal planning. Plus they’re offering a free 14 day trial right now, after the trial it’s $5 a month. It’s good for people who don’t like to spend so much time trying to come up with new things to make.

1 | On The Go Breakfast Muffins

Recipe and image from The Cooking Jar

These On-the-go Breakfast Muffins from The Cooking Jar have eggs, cheddar cheese, spinach leaves, bacon bits, and paprika. Doesn’t it look delicious? It’s great for a grab-n-go breakfast.

2 | Breakfast Energy Smoothie

Photo and recipe from Deliciously Sprinkled

Breakfast Energy Smoothie from Deliciously Sprinkled is perfect for those days when you’re strapped for time and need a quick pick me up in the morning. Whip this smoothie up if you have some OJ, yogurt, vanilla, and frozen berries around.

3 | Strawberry Breakfast Pastries

Recipe and Image from Just A Taste

These Strawberry Breakfast Pastries from Just A Taste is perfect for when you want a something a little sweet in the mornings. All you need to make this is some puff pastry, cream cheese, strawberry jam, strawberries, and egg.

4 | Breakfast Quinoa Oatmeal

Recipe and Image from Feel Good Foodie

This Breakfast Quinoa Oatmeal from Feel Good Foodie is super easy to make plus it’s so healthy for you. All you need is your favorite fruit, quinoa, almond milk, maple syrup, and salt.

5 | Sausage Breakfast Bombs

Sausage Breakfast Bombs from Thirsty Handmade Days is awesome for grab-n-go breakfast plus all you need are 3 ingredients which are breakfast sausage, crescent rolls, and cheese. Super simple!

6 | Breakfast Coffee Banana Smoothie

Recipe and Image from Homemade Hooplah

This Breakfast Coffee Banana Smoothie from Homemade Hooplah will give you the pick me up you need in the morning plus a nutritional boost from the bananas. All you need to make this are bananas, sugar, yogurt, milk, and coffee.

7 | Breakfast Street Tacos

Recipe and Image from Tried and Tasty

These Breakfast Street Tacos from Tried And Tasty are simple to make and all you need are sausages, tortillas, eggs, cheese, and tomato.

8 | Breakfast Yogurt Parfait

Recipe and Image from The Spicy Apron

This breakfast yogurt parfait from The Spicy Apron is a healthy way to start off your mornings. All you need are yogurt, granola, and choice of fruit!

9 | Chia Seed Blueberry Kiwi Probiotic Breakfast

This Chia Seed Blueberry Kiwi Probiotic Breakfast from Skinny Over 40 will give you a nutritional boost to start the day. All you need is chia seeds, yogurt, blueberries, and kiwi.

10 | Easiest Crepe Recipe

Photo and recipe from The Stay at Home Chef

Make the easiest crepes from The Stay at Home Chef. These will be a delicious way to start your morning. You can always add your favorite fruits, syrups, cream, or butter to crepes to give it an extra bit of pizzazz. All you need to make these are milk, eggs, salt, flour, and butter.

There you have it! Try one these easy and delicious breakfast ideas the next time you run out of things to make. Please let me know which one was your favorite!

Don’t forget to share the love by pinning below! Thanks for stopping by!


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15 Fun and Cheap Places to Travel in the US - MyFinancialHill
Lifestyle

15 Fun and Cheap Places to Travel in the US

Do you love traveling but don't like spending tons of money to do so? How would you like to discover 15 fun and cheap places to travel all over the US? Some of the cities mentioned are hidden gems and some are big cities but there are still cheap things to do there. Discover some fun and awesome activities that you can do without breaking the bank!

Have you ever wondered where you want to go on your next vacation or trip? Were you ever undecided or just couldn't figure out which state to visit. You pretty much have to come up with some ideas of whatever state pops into your head or just go online to get some ideas. Don't worry, this page will give you some great ideas on where to plan your next adventure. But wouldn't it be nice if there was something that can pull up cheap flight fare information listing different cities for you?

There were numerous times where I wanted to plan a trip somewhere but had no idea where to book to and I had to literally put in different cities at a time to check the fares. Thank goodness I discovered Skyscanner. This site is awesome because it has an 'Everywhere' feature that pulls fare flight information for all states and even countries outside the US. It's perfect for indecisive people. Skyscanner also has the cheapest fares that I've seen around, it's awesome!

Next, click on United States then BAM, you will get a long list of the cheapest fares from your location.

This site will find you the cheapest fares and will give a whole slew of ideas on where to go for your next trip. Plus, you can even check out cheap fares outside the US too! Now that you've been prepped on how to find the cheapest flights with Skyscanner, let's find you some awesome places for your next trip!

1 Orange Beach, Alabama

Photo from: Visittheusa.com

Orange Beach is definitely a hidden gem and is known for their white sand beaches and turquoise water along the Gulf Shore. If you want a laid back trip or vacation definitely head to Orange Beach. There are plenty of fun things to do there that are perfect for those looking for a fun and budget friendly trip.

Fun and Cheap or Free Things to do in Orange Beach, Alabama

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

There are numerous activities and places to visit in Orange Beach without it putting a strain on your wallet. You and your family can have a blast with tons of things to do in your itinerary.

Check out the cheapest rates for:

2 San Diego, California

Photo by Elizeu Dias

San Diego may be a city full of theme parks and million dollar homes but don't let that deter you from visiting. There are still a plethora of fun and cheap things to do in sunny San Diego!

Fun and Cheap or Free Things to do in San Diego

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

San Diego is a place that won’t strain your wallet but will keep you and your family entertained and will help you create beautiful memories. There are so many free or cheap things to do there and you may not even be able to cover them all during your trip. San Diego is a definite Must-Go place in the US. 

Check out the cheapest rates for:

3 Washington, D.C.

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

Photo by Michele Orallo

Don’t know where to plan your next trip? How about the nation’s capital? Put on your walking shoes and enjoy the gorgeous monuments, explore the museums, memorials, walk through beautiful cherry tree lined paths, and so much more. You may not be able to fit all your fun, free, and cheap activities on your trip. 

Fun and Cheap or Free Things to do in Washington, D.C.:

15 Fun and Cheap Places to Travel in the US - MyFinancialHill
15 Fun and Cheap Places to Travel in the US - MyFinancialHill

There are so many free and cheap things to do in Washington that it is sure to keep you and your family busy without breaking the bank. You may need a week to cover all these free and cheap things to do. Good luck!

Check out the cheapest rates for:

4 Fort Lauderdale, Florida

With miles and miles of gorgeous beaches, great restaurants, awesome art scene, and an abundance of free or cheap activities, Fort Lauderdale has something for everyone. There is no shortage of museums, parks, and beaches that will definitely keep you entertained while keeping more money in your pocket.

Fun and Cheap or Free Things to do in Fort Lauderdale, FL:

15 Fun and Cheap Places to Travel in the US - MyFinancialHill
15 Fun and Cheap Places to Travel in the US - MyFinancialHill

Fort Lauderdale seems to have it all from beaches, gardens, museums, art murals, activities along the water, and so much more. Plenty of things to do there when you’re on a budget. 

Check out the cheapest rates for:

5 Las Vegas, Nevada

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

Depending on where you live, the flights to Las Vegas can be surprisingly very affordable. Las Vegas is a definite must-go to place! The best part is that you don’t even need tons of money to have fun there. 

Fun and Cheap or Free Things to do in Las Vegas:

15 Fun and Cheap Places to Travel in the US - MyFinancialHill
15 Fun and Cheap Places to Travel in the US - MyFinancialHill
15 Fun and Cheap Places to Travel in the US - MyFinancialHill
15 Fun and Cheap Places to Travel in the US - MyFinancialHill

Las Vegas will give you stimulation overload from all the night lights, live entertainment, shows, and so much more. There’s tons to do there without spending loads of money. It definitely is a place you need to visit if you want to have loads of fun without needing to spend to show for it. 

Check out the cheapest rates for:

6 Savannah, Georgia

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

Want to go where there’s some southern charm? Look no further, Savannah is where you want to go. The city is quaint and known for it’s antebellum style architecture and beautiful parks and cobble stone streets. There really is no other place quite like it. Plus it’s surrounded by water which will give you plenty of affordable activities to do by there.  

Fun and Cheap or Free Things to do in Savannah:

  • Go on the Botanical tour 

  • See dolphins on a tour at Tybee Island 

  • While you’re there check out the beach, pier, and pavilion

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

Savannah is rich in history, beautiful architecture, gorgeous parks, and a place to really experience southern style hospitality. Great place to go to if you want to take it easy and just take in all the sites.

Check out the cheapest rates for:

7 Miami Beach, Florida

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

When you think of Miami, you can’t help but imagine luxury cars, expensive restaurants, and a place to be flashy. Don’t let this idea deter you from visiting. Miami is lined with beautiful blue water beaches, warm weather, parks, art events, and has so much more to offer that will help you stay on budget while having loads of fun! 

Fun and Cheap or Free Things to do in Miami:

  • Beaches of course!

  • Day trip from Miami to Key West Tours

  • Bayside Marketplace is an open air and waterfront shopping place where they have live music, entertainment, restaurants, bars, and more

  • Check out Lincoln Road Mall to people watch from street performers, models, people with snakes or birds around their necks, or even catch a bite to eat by pulling up a chair at the restaurants or getting some drinks at the bars 

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

Miami sure will not disappoint from fun in the sun, checking out some art, eating delicious food, and so much more. You can definitely make it a memorable trip all while staying under budget.

Check out the cheapest rates for:

8 Gatlinburg, Tennessee

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

Do you love being in the great outdoors? Well, Galinburg is the perfect place to visit. Relax, enjoy the outdoors, take in fresh mountain air, and experience The Smoky Mountains. The best part is that there are tons of activities to do that is free or on the cheap!

Fun and Cheap or Free Things to do in Gatlinburg:

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

Gatlinsburg is an awesome place to go if you want to escape the hustle and bustle of reality. It will be a great and relaxing place to bring your family to for an experience of the Smoky Mountains.

Check out the cheapest rates for:

9 San Antonio, Texas

San Antonio is known for their rich history and it is a place where you can experience diverse culture. Don’t be intimidated by the saying “Everything is bigger and better in Texas”, definitely doesn’t mean you will be spending more cash here. There will still be plenty of things to do like enjoying the beautiful River Walk to exploring caves and down to experiencing the Hill Country of Texas all while on a tight budget.

Fun and Cheap or Free Things to do in San Antonio:

  • Explore the River Walk of San Antonio where you can find a place to eat right by the water, watch boat rides, have a peaceful stroll, or shop

  • Explore some deep Texas history and learn more about The Alamo

15 Fun and Cheap Places to Travel in the US - MyFinancialHill
15 Fun and Cheap Places to Travel in the US - MyFinancialHill

San Antonio is full of history mixed with culture. Explore the Caverns, Museums, Art, Parks, and so much more. You’ll be able to do a lot of relaxing and exploring while being able to keep everything under budget.

Check out the cheapest rates for:

10 New Orleans, Louisiana

New Orleans AKA NOLA is the mega center where people celebrate Mardi Gras and party till dawn. There is so much more to New Orleans from the Cajun/Creole food, music to culture, historic landmarks, beautiful architecture, rich history and stories, among others. New Orleans offers so much to do and the great part is that you don’t need to break the bank to experience it all.

Fun and Cheap or Free Things to do in New Orleans:

15 Fun and Cheap Places to Travel in the US - MyFinancialHill

New Orleans won’t disappoint if you’re looking to have a blast without spending loads of cash. There’s music everywhere, great food, relaxed vibe, beautiful architecture, and so much more. Definitely will be a trip worth remembering!

Check out the cheapest rates for:

11 Page, Arizona

Discover the natural beauty of mother nature’s work. Get a glimpse at awe-inspiring rock formations. Get your camera out to get some incredible photos that will give you an amazing backdrop unlike any other.

Fun and Cheap or Free Things to do in Page:

  • Do you love hiking? Then you need to head to Horseshoe Bend for some hiking with a spectacular view for a treat

  • Discover a rock formation that looks like a bridge called the Rainbow Bridge, plus you can do more hiking there too

  • Also, get some amazing star gazing views at night

15 Fun and Cheap Places to Travel in the US - MyFinancialHill
  • Get a guided hike at the Antelope Canyon and don’t forget to bring your camera for amazing pictures of the natural carved sandstone in the canyon

15 Fun and Cheap Places to Travel in the US - MyFinancialHill
  • Discover wilderness and get more incredible views of Canyons and Cliffs at Vermilion Cliffs National Park, you will be amazed by the breathtaking views

15 Fun and Cheap Places to Travel in the US - MyFinancialHill
  • Need more water activities? Go to Lake Powell

  • Powell Museum

  • Water activities including watercrafts, kayaking, power boating, paddle boarding, jet skiing, wakeboarding, swimming, waterskiing, and fishing

Page is a place you want to be to get some awe-inspiring and unique photos. It’s a place to revel in mother nature’s work of art and explore the great outdoors. The best part is there are tons of places to visit in Page that won’t strain your wallet. 

Check out the cheapest rates for:

12 San Francisco, California

When we think of San Francisco, we can’t help but think of Silicon Valley and how expensive it must be. Sure, it is a very expensive place to live in but don’t worry there are plenty of free or cheap things to do in this fun city. 

Fun and Cheap or Free Things to do in San Francisco:

  • Head to Alamo Square 

  • Did you ever watch the show Full House? Well, the Tanner family from the show had a home which were one of the iconic San Francisco’s Painted Ladies. Get a glimpse of the old Victorian style homes for a flash back into the past

15 Fun and Cheap Places to Travel in the US - MyFinancialHill
15 Fun and Cheap Places to Travel in the US - MyFinancialHill