There’s a guy I know who has a good paying job ($120,000 a year), lives with his second wife plus he still has alimony and child support and is starting to feel the financial pinch.

Where do I begin?

His mom is sick and he has to fly at $1200/pop to deal with the situation (she lives in another city) and his basic savings are running out. He simply didn’t save enough for an emergency fund, because he told me he never imagined that he’d have problems, seeing as he earned $120,000 a year.

He’s flown about 3 times so far, and his savings are already drained, he says.

He’s starting to run out of money, and he’s getting stressed at work, scared he’ll lose his job and end up not being able to care for his mother and to lose everything, 10 years short of retirement.

Speaking of retirement, he can’t afford to retire, and jokes he’ll work until he’s 100 because he can’t afford to retire now.

His job is not in jeopardy (good, GOOD job in a solid position and industry), but for some reason he can’t seem to save enough every month.

I do hear snippets, and it sounds like he went on a couple of pretty amazing trips around the world; seeing as he doesn’t travel on a budget like we do, I have a feeling he spent about $30,000 in his lifetime on these trips.

It made me re-evaluate my decision to spend $10,000 to fly to Asia and do a one big tour when I could just save the money for an emergency.

Ultimately, even if I could save the cash, I still went through with my Asia trip because:

1. I’m young
I’m not nearing retirement, so I don’t need the money quite as definitively as he does.

2. I have the money
I have the liquid assets to spend $10,000 without putting myself or my future in jeopardy particularly since I regularly live on a low amount of money.
I estimate that I’d have about $85,000 left in liquid assets after my trip which is more than enough to cover our upcoming move and whatever else that might come along.

3. I won’t be traveling for a long time after this last trip
After this one last big trip that we’ve been planning on and off for 2 years now, I won’t be traveling for a while. We’ll travel within the States, but we won’t be going overseas a lot (if at all) especially when we start having kids.

Still, hearing stories like this makes me even more committed to keeping an even keel on expenses and seeing the big picture on a daily basis.

Related Posts

 

Savings versus Emergency Fund: What’s the difference?

 

What are your emergency fund rules?

 

Talk about money. Talk about it often.

 

Yuppie Guilt and how to deal with it delicately

 

Why I don’t talk about money with co-workers or friends

 

When is paying more for quality a big deal for you?

You can contact me here or find me on Twitter via @brokeinthecity.

Come and visit my other blog: The Everyday Minimalist where I am living with less, but only the best!

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2013. |
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A little more than two years ago, one of my bloggy buddies wrote a blog post about getting a degree in communications, and the debt that can be incurred. What happens when you have a large amount of debt from your communications degree, but you can’t get a job to make the payments?

Even though I have a communications degree, I can see his point. After all, if you end up with a huge amount of debt and you can’t find work that justifies it, you could find yourself in financial trouble. While education can be an investment in yourself, you do need to be choosy when deciding what career path you will follow.

Which Careers Pay Off, Even After You Go Into Debt?

Recently, I read a post on Yahoo! Finance that offers some insight into which careers are “worth” going into debt for. Some careers will pay off more than others. According to Yahoo! Finance, here are three of the best careers to go into debt for:

1. Advertising
2. Economist
3. Civil Engineer

Yes, you might end up getting into debt to complete your education, but you will also probably make a decent amount of money over time. If you go into advertising, you can probably pay off your student loans in about eight years, according to the article. That’s not too shabby at all.

Plus, in many cases you don’t need a master’s degree for advertising or for civil engineering (you might need one  as an economist, but it’s not always required).

But what about other careers?

Be Wary of Getting Into Debt for Certain Careers

The Yahoo! Finance article points out that it can be a bad idea to get into debt as a veterinarian. This surprised me, since I assumed that vets make pretty good money. And it turns out they do. The median pay for veterinarian  is almost $85,000 a year. However, there are some very high costs associated with becoming a vet. Since vets usually need eight years of school to do their thing, it can take about 28 years to pay off their student loand debt.

But that’s not too bad when you consider that it can take a reporter 32 years to pay off college debt and a marriage and family therapist 35 years to pay off college debt. For reporters, a lot of the trouble comes from the fact that they make so little money. And if you are working in the print industry, you run into the trouble associated with working for a dying industry.

The bottom line is that you need to carefully choose your career path — especially if you need student loans to make it happen. Yes, I have student loans that are the result of a communications degree and a journalism degree. But I’ve been able to parlay my skills and education into a decent career that allows me to manageably pay off my student loan debt. Part of that is due to the fact that I went to a small, inexpensive state school for my undergraduate studies.

As you decide how to handle your career, make sure you keep in mind the realities of the situation, and decide whether or not it makes sense to go into debt for school.

Image source: Army Medicen via Flickr

Related Posts

 

From heavily in debt to debt free in 2.5 years

 

Going bananas on my debt: A look back at how debt-obsessed I was

 

Paying your debt in installments

 

Thinking of leaving your career?

 

Paying down a debt? Think of the interest rates as returns.

 

Letting debt rule your life is stupid.

You can contact me here or find me on Twitter via @brokeinthecity.

Come and visit my other blog: The Everyday Minimalist where I am living with less, but only the best!

© MMarquit for Fabulously Broke in the City, 2013. |
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The simplest answer is calculate your return on investment.

Education is an investment in yourself

It’s “good” debt right? So treat it as such.

Note: I don’t believe any debt is good debt any longer, including buying a home, car or even higher education.

Student loans can sometimes be necessary debts, but not good debts.  I hate that I thought it was good debt and I didn’t watch my spending as a result, thinking: Hey this is how everyone does it.

Simply put, if you can make more money than when you first started and if you can pay back your student loans (if any) within 5 years or so, then go for it.

Return on Investment (ROI) calculation:

• You earn $40,000 now.
• You need a graduate degree to rise in the ranks.
• It’ll cost $40,000 for a graduate degree and take you 4 years.
• Cost of living during those 4 years was $20,000 a year or $80,000 in total
• You will make $75,000 as a starting salary after you get your degree.

Total cost of your degree: $120,000

$75,000 (new salary) — $40,000 (old salary) = $35,000 extra made per year

$120,000 (cost of degree) / $35,000 of extra income per year = 3.34 years.

HOW ABOUT LOST INCOME?

Glad you asked.

To be even more conservative/crazy, you can also include lost income for those 4 years which is $40,000 x 4 years = $160,000, especially if you aren’t earning any income (some graduates do), and/or working a full or part-time job.

$120,000 (tuition & cost of living) + $160,000 (lost income for 4 years) = $280,000 cost

New total cost of your degree with lost income: $280,000

$75,000 (new salary) — $40,000 (old salary) = $35,000 extra made per year

$280,000 (cost of degree) / $35,000 of extra income per year = 8 years.

No single calculation will work for everyone

Everyone’s situation is different.

Maybe my calculated tuition is too high, or cost of living is too low. Just learn how to calculate your ROI, and if you can pay off your student loans in about 5 years and make more money, then go for it.

Just be sure you know what you’re getting into.

You can contact me here or find me on Twitter via @brokeinthecity.

Come and visit my other blog: The Everyday Minimalist where I am living with less, but only the best!

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2013. |
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It’s a tough job market out there. If you have been looking for a job, chances are that you have had to deal with disappointment again and again. That’s just the nature of the market right now.

My husband is dealing with his own disappointments right now as he searches for a job. He hasn’t been very rigorous in his efforts thus far; just an application here and there.

However, come fall, he’s going to get serious about the job search, since he won’t have as many classes to teach as an adjunct.

If you are looking for a job, here are 5 tips you can apply to help keep you going, even through all the disappointments:

1. Have Dedicated Job Search Time

After a few weeks, you become less motivated to look for a job. Even worse is how you might put off looking in the first place, content to just relax for a week or two before you get started.

No matter your situation, you need to dedicate some job search time. Even if it’s just two or three hours a day, you need to figure out a set period of time in which you will look for a job. Get in the habit of looking for jobs, tweaking your cover letter and resume to fit each job you apply for, and improving your interview skills. Make it a part of the routine, and you’ll be able to stick with it better.

2. Volunteer

A long employment gap on your resume can be a red flag to some employers. Make sure you spend some time volunteering. If you help out in some capacity — particularly in a way that is related to your preferred career field — you can show that you haven’t been spending your time idly. It’s much better to tell an interviewer that you have been volunteering your time than it is to try and explain why you’ve been sitting on your couch for eight months.

3. Network

Now is not the time to neglect your network. While you probably reached out to your network at the beginning of your job search, networking has probably fallen to the wayside in recent weeks. Reconnect with your network. Attend local events that can help you meet people who might be able to aid your job search. Sometimes, it really is about who you know, as well as when you know of a job opening. Networking can help you find better jobs at just the right time, through the right connections.

4. Take Care of Yourself

If you want to ward of anxiety over your job search, and help keep in a positive frame of mind, you need to take care of yourself. This means getting exercise, eating right, and getting adequate sleep. Take some time to relax and enjoy yourself each day.

When you are healthy, you are better able to deal with the disappointments of life. You will also have more energy to keep up with your job search, and you will present yourself in a more pleasing manner when you do have interview opportunities.

It’s not easy to stay on top of your job search — especially after you get a few weeks in. But it’s important to do what you can to stay motivated.

What are your best tips for staying on top of your job search?

Image: kate hiscock via Flickr

You can contact me here or find me on Twitter via @brokeinthecity.

Come and visit my other blog: The Everyday Minimalist where I am living with less, but only the best!

© MMarquit for Fabulously Broke in the City, 2013. |
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In tough economic times, it seems as though everyone you know needs a little help. It can be hard, however, to figure out how to handle the situation when a friend or a family member wants to borrow money.

What should you do if a loved one asks for money? How should you handle the situation?

Don’t Lend to Friends and Family

One of the recommendations made by many is that you don’t lend money to friends and family in the first place.

If you don’t want to lend money to loved ones, you have two options:

1. Say No: You can say no. You don’t need to have an excuse, and you don’t need to be rude. It’s possible just to say, “I’m sorry, but I’m not comfortable  lending you money.”
2. Give a Gift: Rather than lending the money, you can consider giving it as a gift. In many cases, it can make more sense to just offer a gift, rather than expect to be repaid, it can make sense to just let the money go.

When you decide not to lend to friends and family, though, it’s important to be consistent. If you don’t lend to one, lending to another probably isn’t an option, unless you want even more relationship problems with your loved ones.

Make it a Business Arrangement

Another option is to make it a business arrangement. Some have had success with creating a contract, and putting together a payment schedule. Rather than waiting for the borrower to repay the entire loan at once, sometime down the road, you can set up a payment schedule that can be used to help the borrower manage his or her payments, and keep personal feelings out of it.

On the other hand, though, setting it up to be strictly business has its downsides. Even though you might try to keep personal feelings out of it, there is always the potential for resentments.

Can Money Damage Your Relationship?

The hard part of getting involved in any financial transactions is that money can damage your relationship. If you lend money to a family member or a friend, an awkwardness can interrupt. After all, if the loved one doesn’t pay you back, it can cause feelings of resentment.

However, if you decide to make it a gift, that can cause resentment in your loved ones. Many people become offended when they are offered a gift, rather than the option to repay you.

Of course, making it about business might not save the relationship, either. It seems impersonal to create a contract and make payments, and some family members are more interested in keeping things informal, rather than making a business arrangement.

The entire situation is difficult, because whether you say no, or whether you lend the money, there is a chance that you could strain your relationship. Money can damage a relationship if you aren’t careful.

What do you think? Do you lend money to loved ones? Why or why not? How do you handle the situation?

Image source: Jared and Corin via Flickr

You can contact me here or find me on Twitter via @brokeinthecity.

Come and visit my other blog: The Everyday Minimalist where I am living with less, but only the best!

© MMarquit for Fabulously Broke in the City, 2013. |
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One of the common misconceptions people have about saving money is that you have to have “enough” money to begin saving.

Many people put off saving, insisting that they will start when they make more money, and they have some to spare. The unfortunate truth, though, is that you probably won’t start saving later if you aren’t already in the habit. It’s too easy to experience lifestyle inflation as you get raises, and the idea of saving falls to the wayside.

Instead, the time to start saving is always now.

Even a Little Can Make a Difference

Your best course of action is to start saving now. Look online. You will find a wide range of savings accounts for everyone. In many cases, you can open an account with as little as $25. Then, decide how much you can save each week. If you can only set aside $25 a week, set that aside. Just to get in the habit.

Over time, compound interest can help you increase the efficiency of your savings dollars. You should also be ready to increase your savings amount as you begin to earn more money. Make it a point, after you have started the savings habit, to increase your contributions every time you start making more money. Take 50% to 75% of your increase and save it. That way, you are setting aside more money without impacting your current lifestyle. You have room for a little lifestyle inflation, but not so much that you put your financial future at risk.

Look for the Best Yields

It’s possible to find a number of online banks that have competitive yields. BM Savings is a good place to start looking as you compare your savings options. You want the best possible yields, since that will improve the way your savings earns money.

Compound interest is your friend when you are saving. This means that your interest earns interest. This improves the speed at which you see increases in your account, and the early you start, the more time has to work on your behalf. Even if you have what you consider a small amount to start with, you can still get a solid beginning with your savings account.

The important thing is to start now. If you keep putting it off, eventually you’ll wake up one day without any savings and realize that you are in deep trouble. You’ll understand that you have no money saved up for a rainy day, and you are behind in your retirement goals.

The longer you wait, the more you will have to catch. Start saving now, with whatever you can afford to set aside. Use a high-yield account. Look for ways to cut unnecessary expenses so that you can save a little bit more each month. And also look for ways to earn more money. Every time you have an increase in your income, devote a large portion of it to savings on a regular basis. Over time, you’ll really start to notice a difference.

And, your future self will thank you.

Related Posts

 

Save for emergencies, Save for retirement or pay down debt? Help!

 

Why save for retirement while you clear your debt?

 

Should we all save 8 months of EF and just pay our debt minimums now?

 

How to Save Money on a Fabulous Wedding Gown

 

5 Powerful Tricks to Save More Money and Like It

 

Women who save are sexy

You can contact me here or find me on Twitter via @brokeinthecity.

Come and visit my other blog: The Everyday Minimalist where I am living with less, but only the best!

© MMarquit for Fabulously Broke in the City, 2013. |
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There are times when I think that a nomadic lifestyle would be great. I know a lot of people who enjoy nomadic or semi-nomadic lifestyles. Sometimes I think that, because I love travel, a nomadic lifestyle might be just the thing for me.

However, the more I think about it, the more I realize that, in a lot of ways, I might not be suited to a nomadic lifestyle — especially as a parent. Here are some of the downsides I see to being a nomad (at least at my current situation in life):

No Place to Call Home

One of the things I realized is that I like to have a “home base.” While I enjoy traveling, I also like the feeling of “coming home” to something familiar. A stable place that I can count on. Once you become a nomad, you might have to give that up. Sure, I could make my parents’ home my “base” but that doesn’t appeal to me either. Because it’s not really “mine.”

While I’m not a huge “things” person, I nevertheless have a few items that I am quite attached to, and that I like to have around me. However, I can’t haul these things around. Some of them are too valuable or too delicate to be traveling around the world. Others are too bulky. Having a “home” to keep them in is important to me right now, even though I am whittling down my possessions.

Education for My Son

I have a 10-year-old. If I’m traveling the world, what will my son do for his education? I know that there are nomadic families that don’t have this issue. They tutor their kids while they travel, and their kids get a “real world” education on culture, life, customs, and more just by being exposed to new experiences.

However, I’m not that patient of a person. There’s a reason I don’t homeschool, and it has to do with the fact that, even though I love my son, I don’t have the temperment for teaching. I’m a good swimmer, but he takes his lessons from someone else. I could teach him the piano, but past attempts have been disastrous.

My son would get nothing like regular instruction if I were in charge of his education in a foreign country. When you have kids, making sure they learn what they need to is a big disadvantage of being a nomad.

Other Downsides

There are other things to take into consideration when it comes to living a nomadic lifestyle. Some of these include:

• Loneliness and isolation
• Difficulty in learning your way around a new place
• Trouble communicating if you don’t know the language
• Hard to make money if you don’t have access to reliable Internet and other work requirements
• It can be expensive when it’s time to move on, especially if you plan to fly

I can see myself considering a nomadic lifestyle later on. Or, perhaps, I would be better suited to a semi-nomadic lifestyle or long-term vacation arrangements. I picture living in one place for two or three months before heading back “home,” or taking a month-long backpacking trip through a specific area.

What do you think? Is a nomadic lifestyle your thing?

Image: Nomads Hostels

Related Posts

 

Have You Thought about Your Preferred Lifestyle?

 

Wardrobe Series: What is your lifestyle like?

 

Benefits to a Minimalist, Zen Lifestyle

You can contact me here or find me on Twitter via @brokeinthecity.

Come and visit my other blog: The Everyday Minimalist where I am living with less, but only the best!

© MMarquit for Fabulously Broke in the City, 2013. |
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Last weekend, my family and I headed a couple hours north to visit my parents. This was my first real trip with my new iPhone. I’ve been trying to get used to carrying it around with me, since it is the replacement for my home phone.

However, I’ve found that a smart phone is so much more than just a phone. I can run a quick check of my email on it, and I can even update my Facebook status. While the Facebook status updates aren’t something I actually do from my phone, I do check my email.

At one point, though, I realized that my mom was looking at me while I checked the phone.

“Um, I get nervous if I haven’t checked my email for a little while,” I explained, somewhat lamely. “What if there’s an emergency?”

Yeah. Because at this point a client is going to have an emergency on a Saturday evening. Not likely.

This experience forced me to take a step back. Is this smart phone starting to take over my life? Do I need a tech break?

Creating Tech-Free Zones

One of the items that came to my attention recently was the idea of creating a tech-free zone in your home. This is, apparently, something that is starting to become a Big Deal. At certain places and times in your home, you gather up all the gadgets and put them away for a little “real” interaction with your loved ones.

While this is not something that we have in our home, I do recognize the need to stop spending so much time on the computer or on the phone. There are times when I look up in the evening, and realize that my husband and I are both on our laptops — and we haven’t spoken to each other for more than two hours.

In order to connect on a personal level, we put all the distractions away when we realize that they are creeping up on us. Look at your own life. Are you becoming consumed by gadgets? Taking some time away from the constant demands of technology, whether it’s checking Twitter or answering an email you just received, can help you relax and spend quality time with the people who are most important to you.

One of the things I love about the summer is that I go camping two or three times. Usually, for at least one of the trips, we are in such a remote area that it is impossible to use the cell phone — much less check email. This is a nice break for me because the situation requires that I have no tech available to me. I relax much more, and I don’t worry about emailed emergencies or the latest meltdown on social media. Since I can’t do anything about it, I truly have a break.

Finding ways to take a tech break can be a real help in your life. Take a deep breath, and realize that the email can probably wait a few hours (or even for a day or two). And Facebook, Twitter, and Pinterest aren’t going anywhere.

Image: from_ko via Flickr

Related Posts

 

How to break up with a friend, and reasons why you would

 

It’s TCB time! (Taking care of business)

 

Review: Taking the MegaBus from Montreal to Toronto

 

All I will ever say about the new Apple iPad

 

Phishing Alert: This one is pretty good…

 

Social Rules to not making empty promises and to mean what you say

You can contact me here or find me on Twitter via @brokeinthecity.

Come and visit my other blog: The Everyday Minimalist where I am living with less, but only the best!

© MMarquit for Fabulously Broke in the City, 2013. |
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What’s in a name?

A rose by any other name may still smell as sweet, but it’s not going to get you into that C-Level suite, nor will an unwieldy name do you any favors when it comes time to negotiate your pay.

According to data analyzed by The Ladders, it appears as though your first name makes a difference in how much money you make, as well as the level of success you achieve.

In fact, those with relatively short names — and whose names are rather commonplace — are more likely to earn more. As the number of letters in your first name increases, your salary drops. In fact, The Ladders insists that each additional letter in your name leads to a salary that is lower by $3,600 a year.

The data even held up for those with nicknames. “Steve” makes more than “Stephen”, and “Sara” even makes more than “Sarah”. The very strong implication here is that you should also consider your nickname. If you want to be more successful in your career, it might be a good idea to adopt a professional name that is short and easy to remember.

Where There Exceptions to the Longer Name Rule?

As always, there are exceptions. The Ladders found that the name Lawrence resulted higher pay than its shorter counterpart Larry. Additionally, if you look at the chart above, you’ll see a decline in pay versus number of letters in a first name — except at the number seven. If your name has seven letters, you get a little bump in pay. A good example is the name “Melissa”, which appears on the list of top five highest paid female names. (Incidentally, my own name has seven letters. Corporate success, here I come!)

Another interesting aberration is the fact that Christine (nine letters) shows up on the list of top five C-Level names and in the top five when it comes to pay. No other name — male or female — showed up on both lists.

The Ladders says that the top 10 highest paid C-Level executives are names that earn 10% more than other names. That’s a pretty big difference, and one that might make you think.

Help Your Kids: Pick a Short, Boring Name

Looking at the lists compiled by The Ladders also yields another interesting pattern: The names are rather conventional. You see names like Cathy, Shannon, Rob, Bob, Tom, Marc, Lynn, and Martin on these lists. No mention of oddly-spelled names or exotic names. I live in a state full of names like Jessyka, Gavvyn, Joyellen, Moroni, and SheriDawn. I’m no stranger to “unique” names.

However, no matter how cool you think your child’s name is now, the reality is that an unusual name that is hard to spell or confusing to pronounce won’t do you child any favors. Not only does he or she risk a long and difficult childhood, but you may be condemning him or her to a life of lower pay and career failure.

What do you think is in a name? Do you think the analysis from The Ladders makes sense?

Related Posts

 

Thinking of leaving your career?

 

Think you’re in a career rut?

 

Career Strategy: How Marketable Are You?

You can contact me here or find me on Twitter via @brokeinthecity.

Come and visit my other blog: The Everyday Minimalist where I am living with less, but only the best!

© MMarquit for Fabulously Broke in the City, 2013. |
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If you were a client at a business meeting, dinner or .. whatever, with a company you were doing business with, would you be highly offended if they kept texting during your meeting, or half-paying attention to what you are saying or what’s going on around them?

I’m pretty sure your answer would be: HELL YES. They are doing business with my money, and they should darn well pay attention and show some respect!

Unless it’s a personal emergency where something happened there isn’t anything all that important that should be texted/tweeted/written about this very second, rather than waiting until you’re alone.

So why do it with friends or family?

Are we supposed to be more tolerant of your rude behaviour when we’re friends or family?

Why would you treat acquaintances or strangers with a lot more respect than the people you love or are there to perhaps form a friendship with?

Is it just because they write your cheques or pay you, that you feel obligated to be more respectful and considerate of them?

It is the utter opposite for me.

I find it extremely rude and annoying when people I am meeting with, whom I haven’t seen for years, or I’ve just met as friends, whip out their crackberries or their iphones and start texting to friends, keeping up an instant messaging repartee with 3 other people while trying to sit down and have dinner with me.

I know I am not the most qualified person to be annoyed by this, seeing as I don’t place a lot of importance on cellphones (I forget to bring it with me about 90% of the time), but it is extremely rude to do so.

I can forgive/understand checking your phone once in a while because it’s really time-sensitive, or you’re waiting for friends to get back from the washroom, so you quickly check your messages.

Or maybe we’re waiting for a third friend to arrive, so we’re checking to see if he/she is just running late and has texted us with their time of arrival.

But otherwise, PUT THE #$(@!&$ SMART/STUPID PHONE AWAY. PERIOD.

Think about it this way, if I started pulling out a book to read in the middle of our conversation or I was SO engrossed in my novel that I only give you half answers or my attention half of the time, wouldn’t you feel absolutely slighted and think I was the rudest human being on earth?

It tells you that I’d rather be reading a book than talking to you.

So why is constantly checking or reading a phone instead of talking to people you’re with, any more acceptable?

It’s even worse when you’re out with very social-media-intense people who tweet all the time and facebook like crazy. They’ll start taking pictures and uploading it to twitter RIGHT AWAY, and tweeting about the great dinner and friends they’re with…. while they’re with them.

Why can’t you do it AFTER we’re done meeting? That’s what I would do, because I want to spend actual face-to-face time with you, talking and being together.

Not talking to other people about us meeting up and  being together and how much fun YOU are having!

It’s like talking about your living your life rather than actually living your life in the moment.

Frankly, with those friends who are CONSTANTLY on their phones without being apologetic or aware of it, I just don’t meet up with them again.

If they met up with me and did the constant every-5-minutes cellphone checking/texting thing, I just assume they and their cellphone would rather be together alone, or they’d rather be ANYWHERE ELSE ON EARTH but with me and talking to me.

I don’t want to meet with people only to be ignored for other people.

In that case, don’t call me and I won’t call you.

You can contact me here or find me on Twitter via @brokeinthecity.

Come and visit my other blog: The Everyday Minimalist where I am living with less, but only the best!

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2013. |
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