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FINANCIAL WORKSHEET 5c | by the skinny confidentialFINANCIAL WORKSHEET 3 | by the skinny confidential

I feel like we haven’t talked about finances a lot.

Which is weird because we’ve talked about everything else.


But really managing finances.

You gotta take charge of it you know.

To be honest here I’ve had to work really, really hard at this.

When I first had a little success I overspent.

I mean, never in my life had I had a credit card.

Crazyyyyy but true.

Once I got that credit card, I was using it like a gift card- HORRIFIC.

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I was buying the most random, useless shit.

IT TOOK ME A LOT OF ups & downs to really learn how to use a credit card. In fact, I’m still learning.

So ya, I’m not the best with numbers- it’s just not my thing. BUT 2016 was all about recognizing the importance of really sitting down & looking at spending. “Looking” sounds easy…but it’s also overwhelming. Now I sit down each month & go through every little charge even if it’s a $3 dollar latte.

Point: I want to have a handle on my finances.

Not only do I want to, I need to run a successful business.

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Michael is real into numbers ( THANK GOD ). So I figured I’d share some of his tips that have really helped my relationship with money.

A couple of money tips for ya:

Set 10% of your income aside for savings & put it in a savings account that you don’t EVEN LOOK AT. I do this every month- it comes right out of my salary & goes right into a savings account. No sweat- because I act like I never had the amount to begin with. Over the past two years this saving nugget is growing slowly & steady…and something I’m really proud of.

Invest in yourself instead of material things. This means invest in bettering yourself. Invest in books, courses, experiences, healthy foods, a gym. Material things are fleeting. Of course moderation is key here- sometimes you gift yourself a nude handbag……..shhh don’t tell Michael.

Live below your means. If you have a business take some of that money & put it into building your business. This is huge for me. I invest most of my money back into The Skinny Confidential. When I was a broke-ass ( like BROKE-ASS ) bartender I invested all my tips into my business- every single day. I remember literally waking up every morning & going to the bank to deposit my cash tips into The Skinny Confidential INC. If you don’t have a business, invest in yourself to put yourself in the best position for success.

♡ ♡ ♡ ♡ ♡

Also, sometimes women feel they have to buy material things for status- I get it, I’ve been there.

Listen I like nice things but I limit myself A LOT. Especially lately- I’d much rather have financial security & a thriving business, than a $900 pair of shoes that get dirty after two wears.

Pretty much, I do my BEST to manage my money in the most efficient way possible.
Sixty percent of women say they feel empowered when they are comfortable with their financial situation according to Northwestern Mutual.

They have this ‘Financial Fitness Worksheet’ that I highly recommend. Basically it’s a simple interactive worksheet so money/finances/budgeting doesn’t seem so…HORRIFIC. All you do is take a quiz & score yourself based on the answer. AND THEN VOILA: the tips on the second page will give you key takeaways to set financial goals.

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Honestly I LOVED what my key takeaways were so much I taped them ( in pink Washi tape ) to my whiteboard. ( & ya, I have a whiteboard and if you’re wondering, it’s amazing for to-do lists ). My score was a 6 which says I’m “on the right path to being ‘Financially Fit.’” A couple things I need to research more? Retirement funds & life insurance. These are two things I mayyyyy need some guidance with. Good to know on my end. Especially since women on average are known to live longer than men…gotta set up that retirement plan! My main goal out of the worksheet though? To write-up a financial plan. I want to create a strategic financial future FOR SURE.

Anyway, you can check out the ‘Financial Fitness Worksheet’ here to help set your own financial goals.

You work on your abs, you work on your career, you work on your relationships…why not work on your finances too? Kind of a win/win.

If you like this post, LMK & I’ll have Michael come do a post takeover on finances?

Happy weekend guys- don’t online shop too much ; ).

X lauryn

+ this post is in collaboration with Northwestern Mutual. As always all opinions are my own.

++ more business posts | another finance post

{ photos }

SHOP IT: mesh top | fake glasses ( LOL ) | bra | jeans | notebook | cell case | pinky ring

FINANCIAL WORKSHEET 13 | by the skinny confidential


  1. I LOVE THIS POST! I am an accountant so by nature I am already into this. But I love that you are shining more light on financial literacy, especially amongst women who I think are stressed by it but also a little less proactive on some matters related to it. I have been following your blog for years and when I see you post things like this it makes me love your blog even more. Keep the makeup posts and the posts on pearl (which I also put in smoothies!) but these are awesome too!

    1. Thanks so much Samantha!! What are some of your financial tips? I appreciate all of the support. xx

  2. First of all, I love your bralette! Managing my finances is one of my goals for the year, it’s so important. I love the idea of investing in myself and not in material things,thank you for sharing that. One thing I do to curb impulsive clothes/makeup purchases is to use the 24 hour rule. If I really want something, I wait for 24 hours. If I still want it badly then I’ll get it.Most of the time, the excitement has waned and I’m able to make a rational decision. Great post! xx

    Coco Bella Blog

  3. LOVE this post! Thanks for shedding light on something most of us don’t want to talk about. Finance is for everyone, no matter what your income is. My dad’s biggest piece of financial advice has always been to “live below your means,” too! Definitely would be interested in a post from Michael about this, please!

    1. That’s the best advice!! Completely agree that it’s time to start talking about finances & money. Thanks for the support Martee! xx

  4. Money is such a taboo topic and Im not sure why. I think a lot of people are lost when it comes to finances so why not get the correct information out there?! I’d love to hear Michaels tips!
    When my pay cheque comes in I first subtract all my bills from that amount, then put some into savings and some down on my loan (will be debt free in 3 months!!!!!) and then I factor in things I know I will need before my next pay cheque such as gas/groceries then I keep a little for fun like a night out or new jeans!

    I still need help with retirement savings for sure and am planning a career change so will need guidance then too! I’ll give the Finance Fitness quiz a try 🙂 Thanks Lauryn!

    1. Sounds like you’re on the right track Caitlin! Will definitely work on my financial posts for you guys : ) xx

  5. Love this post. Such solid, important advice that so many people can learn from. Thanks for providing amazing content as always! Would love to hear Michaels thoughts.

  6. I love this! I’m in college and definitely struggle with budgeting/figuring out what is and isn’t within my means at the time. I’d love a post like this particularly for college students too 🙂

  7. This is so helpful!!! I’m about to graduate with a doctors and I am literally the worst at saving money. I’m worried about what I’m going to do when I actually start making money. Please post more, maybe some tips on budgeting or how you convince yourself to not spend that extra on things that aren’t necessary. Awesome post!

    1. Thanks so much Brittany! Congratulations on graduating!! Will keep them coming : ) xx

  8. I love this post. I’m trying so hard to work on saving money, but sometimes it just seems impossible. I feel like I’m doing a good job and then a tax bill comes up or my washing machine breaks and sets me way back again. And I do know that that is the point of a savings account – for the emergency, one-off situations, but it’s still so frustrating!

    1. It’s definitely a process & a habit you have to build. Excited to share more tips with you guys! xx

  9. Thank you for this post! I’d love to get Michael’s insight on finances as well. I think that a lot of young women struggle with finances after college, learning how to properly use a credit card (and what to do if you’d abused one), create a budget for themselves, etc. I think a lot of us can relate to that “I don’t want to look at my bank account/credit card bill” feeling after an indulgent weekend, but that only makes matters worse! I love that you’re bringing to light what is sometimes a sensitive topic.

    1. Ignorance is definitely not bliss with finances. Excited to get Michael to share his tips! xx

  10. I want to hear more from Michael on this topic! In particular I would like his thoughts on how to responsibly open credit cards/build your credit score as a 20something person (I.e., should you just have one credit card open at all times?). As always, thanks for bringing honest and relevant content to us! I loved this post and would be very into a podcast episode about this as well.

    1. LOVE the idea of a podcast episode on this. Great idea Emily. We appreciate you following along <3 xx

  11. You have no idea how much I needed a post like this, thank you Lauryn (and Michael!) With life, credit cards, trying to keep up with blog needs, and those awesome student loans, it can be hard sometimes to figure out how to manage your finances. I loved the tip about having some of your paycheck go into a separate savings account every week. I will be initiating that practice asap!

  12. This was such an awesome post! I’m about to go through a career change and have been pondering how I’m going to save more! Thank you thank you thank you!!!!


  13. LOVE this post! This is something that I seriously need to work on, and I feel like almost everyone could use tips on. I would love a post on tips to get out of debt! Credit card debt, student loan debt, etc. I would also love a post on avoiding temptation of buying new things! So hard!

    1. Great ideas Bailey! Will definitely work on going deeper into finances. xx

  14. I absolutely love this post and personal finance. I was very fortunate that my father is a finance junkie and he taught me a ton of useful information. I enjoy budgeting and reading about other people’s tips. It’s shocking how many young people live paycheck to paycheck and don’t realize the importance of saving…

    My BIGGEST tip – have your paychecks (and other income) direct deposited into your SAVINGS account! On the first of every month, transfer a fixed amount into your checking account as your budgeted “allowance”. When it’s gone, it’s gone! I do this and it has helped me tremendously.

    1. That’s a HUGE tip!! LOVE it. Thanks for sharing Sadie & following along : ) xx

    1. SO thrilled you loved this post Krista! Will get Michael working on it. LOL. xx

  15. Love this post! I would love for Michael to go into more detail about finances! I know I need to get mine into gear. It’s never a fun subject to go into

  16. Amazing idea for a post Lauren!! SO helpful. I absolutely love your content and brand- definitely unique, authentic, and most of all relatable!! Please have Michael give us his tips! XOXO

  17. I love how your wrote this without a negative connotation. I work in banking and when I read articles about “how to save” a lot of times they’re very dumbed down… especially for women and millennials. We all know that a $3 latte adds up, and to save for retirement, but if it was that easy then we wouldn’t be reading about it. Would love to have more finance posts from you, it’s something that I found you don’t have a lot of!

    1. Thanks so much Diana! SO great to know you guys want more financial content. xx

  18. Loooove this post! Thank you! I’m currently finally reading Rich Bitch, as per your advice, so this was great for further getting my head in the game! x

  19. I’d love to see more financial content, it’s something that surely doesn’t get discussed enough. I feel like especially now that many people have more entrepreneurial careers- maybe they work freelance/contract, or own a business, etc.- and even if they have a more “corporate” job, gone are the days of a company pension. We need to take control of our finances early and plan for the future. The earlier you start, the easier it is and less financial stress you have, which is HUGE for your own happiness, and relationship happiness. My husband is a CFP (Certified Financial Planner), so it’s a subject that we feel confident about, and that while we aren’t perfect, we know we are making the right steps towards having a happy future, while also still being able to enjoy living in the present.

  20. Love this post and love, love, love the the Financial Fitness Worksheet geared toward women! I have gotten a better handle on my finances over the last year, but there is certainly still plenty of room for improvements. I will definitely be going through my spending line by line this month!

  21. Lauryn, I really enjoy your beauty / lifestyle posts, but I LIVE for your business / finance posts. I get so much out of them. Beauty AND brains. Not something most bloggers have. Kuddos to you!

    1. AW thanks Karla you’re so sweet! SO happy you love these posts. I appreciate all of the support <3 xx

  22. Just revisited this post and love it – would be great to see another one (maybe from Michael?) or a podcast on money management / learning to save and not spend / getting out of or avoiding credit card debt (it’s so tough!). Thinking out loud here, but could be cool for the podcast to interview Nicole Lapin – loved her post!

  23. Totally found this post so helpful. I have been struggling with finances the older I’ve been getting because I want to buy the materialistic items that I see other girls and my friends have. But I need to learn the importance of saving, especially after reading this post and doing the “How Financially Fit Are You?” quiz. I’ve never thought of making a strategic financial future plan, so that was great to hear. Thanks for the great tips!!

  24. Hi Lauryn, I clicked your link to the financial worksheet but it says page not found. Any other way that I can access it? Loved this article btw, I think it’s so so important to teach young women the importance of managing their own finances.

  25. Ugh finances are just not fun to talk about but thanks for bringing it up. I hate reading about it but you make it light and not super dry I’d love to see Michael do a post takeover on finances.

  26. I LOVE this! Please post more like it! I feel like there are so many places and people that are so consumer driven, and I love little beauty hacks that don’t require buying all new gadgets! It’s important to really consider whether you actually NEED something before buying it, and if you do need something buying quality over quantity. Not being broke and being smart with money is so important!

  27. Would you consider doing more posts similar to this? Specifically I’d be curious to hear more about how you and/or other woman balance investing in oneself (nice clothes, haircuts, etc.) vs. investing in one’s future. I feel like unfortunately woman often don’t get the same financial literacy as men, which is sad. Great content!

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