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  • Home
  • Manage Money
    • Budgeting
    • Debt
    • Credit
    • Investing
    • Save Money
    • Spending
    • Money Mindset
  • Lifestyle
    • Food
    • For Him
    • For Her
    • Health & Wellness
    • Travel
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  • money lesson - Photo by Matthew Henry from Burst
    Money Management,  Money Mindset

    5 Money Lessons For Young Adults

    Derek Moreno / November 12, 2019 / 0 Comments

    Growing up, my parents never prepared me for the challenges of money. We never had a “money talk”. I was taught that you don’t ask people about money, it’s just something you don’t…

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  • Debt,  Money Management,  Money Mindset

    My Money Story

    Derek Moreno / October 8, 2019 / 0 Comments

    My money story isn’t all that different from most Americans who find themselves without savings, slowly drowning in debt. I grew up in a pretty average middle class family. We had stuff and…

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  • Credit,  Money Mindset

    Credit Cards – 4 Reasons to Pay Them Off Weekly

    Derek Moreno / September 22, 2019 / 0 Comments

    Some might say I’m a bit obsessive when it comes to my personal finances, credit cards, and my credit score. I’m really not though. What it comes down to is that I don’t…

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  • International travel
    Lifestyle,  Save Money,  Travel

    International Travel – 5 Tips to Save Money

    Derek Moreno / September 18, 2019 / 0 Comments

    I often hear people talk about how expensive international travel is. But it doesn’t have to be! I’ve just planned a 9-day trip for Chelsea and me to Brussels, Belgium, for just $1,357.55!…

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  • savings account
    Money Management,  Save Money

    Why You Need a High-Interest Savings Account

    Derek Moreno / September 10, 2019 / 0 Comments

    Let me start out by stating this one very important fact: savings accounts and checking accounts are not the same thing and should not be treated as such. If you’re saving money, whether…

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  • renting a car - Image by kenny2332 from Pixabay
    Credit,  Money Management,  Travel

    Renting a Car – 4 Things You Need to Know

    Derek Moreno / August 21, 2019 / 0 Comments

    Let’s be honest here; renting a car is a pain in the ass. Everything from getting to the rental office, to filling out loads of paperwork. Then you actually have to find your…

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  • cash back credit card
    Credit,  Money Management,  Spending

    My Cash Back Credit Card Strategy

    Derek Moreno / August 19, 2019 / 0 Comments

    Today, I’m going to share with you my simple cash back credit card strategy. Groceries and gas are the two categories where we spend the most money, so those are the areas I…

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  • money blueprint
    Money Management,  Money Mindset

    Your Money Blueprint – 5 Steps to a Better Mindset

    Derek Moreno / August 19, 2019 / 0 Comments

    Your Money Blueprint, also known as a Financial Blueprint, refers to the programming and ideas about money that you received in the early stages of your life. From years 0-7, children absorb any…

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  • financial health
    Budgeting,  Debt,  Investing,  Money Management,  Money Mindset,  Save Money,  Spending

    Financial Health – Your Roadmap to Achieving it

    Derek Moreno / August 18, 2019 / 0 Comments

    Improving your Financial Health is a whole lot easier than it sounds. It’s so easy, I created a 10 step guide! You’re welcome! So, without further ado… 1. Create your Vision What is…

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  • goals
    Lifestyle,  Mindset,  Money Management,  Money Mindset

    S.M.A.R.T. Goals – Give Your Life Direction

    Derek Moreno / August 13, 2019 / 1 Comment

    SMART goals aid in giving you direction. I learned about this technique a couple years back when I was trying to find a way to improve and organize different areas of my life. …

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CHELSEA & DEREK

Bloggers – Foodies – Travelers

A young, married couple with a taste for adventure!

We love anything having to do with travel, food, adventure, exploration, and life. Especially making it fit into a budget!

Our adventures are fun, exciting, educational (maybe) but best of all, they are REAL!

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Instagram

Who knew that a progress shot of a stuffed toy could look so creepy?
➡️ Swipe to see what it will be when it's done
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#kitting #wipwednesday #knit #yarnlove #hobbes #calvinandhobbes #knitstuffy #knitstuffedanimal
Wow this stitch is turning out so cool with this yarn!
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-linen stitch
-2 rows of black
-2 rows of rainbow
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➡️ Swipe for a close-up
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#knitting #knittersofinstagram #wip #knitwip #rainbowyarn #handdyedwool #knitcowl #preparingforcoldweather
🤗 Butter coffee and @barrysbuns pumpkin snackies! Cozy fall heaven! 🍂⁠
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Pumpkin crumb on the left and pumpkin sticky bun on the right! So good! And we maaaay have eaten all the crumbs off the plates for this picture 😂⁠
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We are SO ready for fall! Pumpkin 𝘦𝘷𝘦𝘳𝘺𝘵𝘩𝘪𝘯𝘨, crunchy leaves, cozy evenings, and warm foods! 🍲⁠
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What's your favorite part of fall??⁠
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#bloggingovercoffee #blogger #blogging #lifestyleblogger #financeblogger #finance #healthandwellness #enjoylife #enjoythelittlethings #cozyhome #coffee #stickybuns #barrysbuns #fall #readyforfall #breakfast #pumpkin #leaves #coffeetime #coffeelove #fallweather #autumnweather #season #coffeelover #cozy #instaautumn #coffeegram #buttercoffee #pumpkinspice #coffeelife
There's oatmeal under there somewhere 😂
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#cleaneating #oatmeal #breakfast #tasty #vegan #cinnamonapples #peanutbutter
⚠️Always be mindful of your spending! Too many people I know are 𝘣𝘭𝘦𝘦𝘥𝘪𝘯𝘨 money because they're oblivious to how much they spend on 𝗹𝗶𝘁𝘁𝗹𝗲 things!⁠
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How often do you find yourself saying "it's only a few dollars" 💁‍♀️ or something very similar?⁠
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That "few dollars" can add up 𝗿𝗲𝗮𝗹 𝗾𝘂𝗶𝗰𝗸 when you do it 𝘦𝘷𝘦𝘳𝘺 𝘥𝘢𝘺!⁠
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Think about that coffee ☕️ you buy every morning on your way to work - about $4 right?⁠
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Take that $4 and multiply that by 5 times a week = $20 (𝘢𝘵 𝘭𝘦𝘢𝘴𝘵!) a week - $80 a month... 😳⁠
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Not looking so small anymore is it?⁠
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🤔 Imagine if you saved that 💰money and made your own coffee at home! Think of how much you could save!⁠
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I challenge you to take a look at your spending. Are you leaking money without being aware of it?⁠
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#bloggingovercoffee #blogger #blogging #lifestyleblogger #financeblogger #finance #healthandwellness #enjoylife #enjoythelittlethings #inspirationalquotes #inspirationalquote #inspirationoftheday #inspirationalquoteoftheday #mindsetiseverything #mindset #positivity #foodforthought #quoteoftheday #thoughts #changeyourthoughts #wordsofwisdom #wordsofencouragement #wordstoliveby #encouragement #encouragingquotes #lifequotes #positivity #positivethoughts #dailyquotes #motivation
𝗡𝗲𝘄 𝗽𝗼𝘀𝘁 up on the blog! 💻⁣
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Rice milk! 🥛⁣
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I make rice milk weekly to use in my ☕ coffee and in 🥞 baking! It's cheap and super easy! And it doesn't have all the same crappy ingredients the store bought stuff has.⁣
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Click the link in bio to get the recipe!⁣
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What's your favorite alternative milk?
𝗪𝗼𝘄! Look at what a difference 5 years can make! 💁‍♀️⁣
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𝟮𝟬𝟭𝟰⁣
🏡living with family⁣
💰20,000ish in debt⁣
🙅‍♂️buying things we didn't need⁣
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𝟮𝟬𝟭𝟵⁣
🏡moved from San Jose → Philly⁣
💰debt free!⁣
👫living a minimal and mindful lifestyle⁣
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There's no better time than the present to 𝘀𝘁𝗮𝗿𝘁 𝗺𝗮𝗸𝗶𝗻𝗴 𝗰𝗵𝗮𝗻𝗴𝗲𝘀!⁣
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Need help? Visit the link in bio to schedule 1-on-1 financial coaching with Derek!⁣
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Where are you in your money story?
A mentality I feel a lot of people have trouble grasping 🤷‍♂️⁣
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Stop and think before you spend 💰on something you don't 𝗻𝗲𝗲𝗱!⁣
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Need help determining whether you should spend the money or not? We've got a blog post for you! Click the link in bio! It comes with a handy dandy printout that will fit in your wallet right next to your 💳!
Here's a picture of a sweet squishy puppy just because it's Monday and I'm pretty sure he's doing what we'd all rather be doing!⁣
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How many of you would love to snuggle up with this sweet boy? 🙋‍♀️

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Blogging Over Coffee

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  • Finance Coaching with Derek

RECENT POSTS

  • money lesson - Photo by Matthew Henry from Burst5 Money Lessons For Young Adults
    In Money Management, Money Mindset
    November 12, 2019
  • food budget - Image by Jill Wellington from PixabayFood Budget Review – October 2019
    In Budgeting, Food, Money Management, Spending
    November 5, 2019

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