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Molly's Money | A Few Things to Consider Before Doing a Credit Card Balance Transfer

If this is your first time here, Molly’s Money is a regular series I write on this blog that includes ALL things personal finance – debt management, budgeting, home buying, savings, investment, etc. I am NOT a financial advisor, but I am married to one! These are just things that I have learned over the years as I struggled with my own personal finances and ultimately, became debt free in 2012. Got a question about money that you want answered? Leave it in the comments below or email me!

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Since the new year has come, I have gotten a TON of emails from readers asking a lot of different financial questions… it’s just that time of year when people are trying to start fresh and work to really get their finances in order.

One question that I have actually been asked repeatedly over the last few weeks is: “How do you feel about credit card balance transfers?”

I have never really had this question asked before, but for some reason, it’s popped up at least a dozen times in the last month. So, when a question like that pops up enough, I decide it’s time to do a post on it!

What IS a Credit Card Balance Transfer? Continue Reading →

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Liverpool Talullah Pant, Andrew Marc Faux Fur Hood Coat, Zebra print top, pink bag (1)

Coat: Andrew Marc (similar) | Liverpool Talullah PantStitch Fix | Shoes: Target | Bag: Target | Zebra Print Top: Vince Camuto (from Nordstrom Rack!) | Earrings: Nickel and Suede

Photography by Em Grey

I don’t know about you, but when it gets SUPER cold outside (hello blizzard!), I have a hard time finding coats that are both WARM and CUTE. You know, a coat that is both functional AND fashionable. My coat game has been WAY off for far too long. It’s the truth.

Well, when I got this FABULOUS Andrew Marc coat in a previous Stitch Fix fix, I fell in LOVE. I know Andrew Marc makes such a high quality product that I was just pumped to finally get my hands on one.

Liverpool Talullah Pant, Andrew Marc Faux Fur Hood Coat, Zebra print top, pink bag (2) Continue Reading →

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Nine Ways to Wear Red Jeans

When I am shopping or trying on an item that is a potential addition to my closet, I ALWAYS think of AT LEAST three ways to wear the item before I take the plunge. Unless the item is something for a specific occasion (like a special occasion dress), if I can’t immediately think of three ways to wear it, I don’t buy it. No ifs ands or butts. I don’t buy it.

So, when I do add something to my closet, I love coming up with as many ways as possible to wear that item… And since this is a life and style blog, one of the things I love doing most on this blog is sharing ways with YOU guys on how to wear or style a particular article of clothing.

I have done posts like this in the past, but I want to get back into regularly sharing with you “Ways to Wear” a specific item. Maybe it’s a denim vest, a basic dress, or a printed top… I want you to be able to glean some kind of inspiration so that if you have a similar item in YOUR closet, you might be able to find a new or different way to wear it!

Y’all know I am ALL about remixing what you already have… so this is just another way to look at it. Or something. :)

For today’s Ways to Wear post, I’m showing y’all NINE different ways to wear RED jeans. You guys KNOW how much I love my red jeans. I wear them all the time. This is certainly not an end-all-be-all list… it’s just a few new ideas for you.

My red jeans I got from a Stitch Fix fix over the summer. They are Kensie brand. At the end of this post, I will have some options for you for where to grab a pair for yourself!

Nine Ways to Wear Red Jeans

1. With a comfy sweater and printed flats

Andrew Marc Faux Fur Hood Coat, Red Jeans, Leopard Print Loafers, Aztec Sweater (1) Continue Reading →

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The Earrings That Will Change Your Life | Nickel and Suede Earrings Review (1)

Over the last few months, you’ve probably noticed that on the blog, on Instagram, on Facebook, on Twitter, in real life… I’m wearing a pair of these gorgeous, leather earrings. I’ve touched on them a little bit here and there, but honestly, I felt like a whole post about their amazingness was well overdue.

The Earrings That Will Change Your Life | Nickel and Suede Earrings Review (3)

So, the earrings I’m talking about are from Nickel and Suede. Let me preface this by saying that this post is not sponsored. Kilee (owner of Nickel and Suede) doesn’t even know I’m writing it.

I met Kilee on the #StitchFixVacay that I got to attend back in September… the second I met her, I just genuinely loved this girl! She is so sweet, so kind hearted, so stylish, and so driven. She’s a mama to three handsome boys and she’s an amazing blogger over at One Little Momma.Winter / Fall style | red jeans, TOMS for target tee, leather jacket, gold bag, Nickel and Suede earrings | North Carolina Fashion Blogger (2) Continue Reading →

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Molly's Money | Six Ways to Use Your Bonus or Tax Return

If this is your first time here, Molly’s Money is a regular series I write on this blog that includes ALL things personal finance – debt management, budgeting, home buying, savings, investment, etc. I am NOT a financial advisor, but I am married to one! These are just things that I have learned over the years as I struggled with my own personal finances and ultimately, became debt free in 2012. Got a question about money that you want answered? Leave it in the comments below or email me!

Molly's Money Series: Dealing with DebtBefore I became debt free, and really before I began the whole “journey” working to become debt free, I was horrible with money. I’ve said it before, I’ll say it again… I was awful with money. I just didn’t know how to manage it. I didn’t know how to take care of it. I didn’t know how to spend it and SAVE it wisely. That’s something I really had to learn and a skill I had to completely figure out… pretty much all on my own.

Since no one knew my financial situation and one I got on my debt management plan, I was working my butt off to try and figure out how I was going to do it all and keep my head above water. It was so unbelievably overwhelming.

However, one of the things that was MOST difficult was learning how to spend the extra income that would sometimes come my way. I was so used to working with such bare bones in my bank account… any little bonus or boost in my income felt like I’d won the lottery.

BUT, the thing is, is that it’s those boosts in your income and those bonuses that can actually make or break your entire financial status. It’s know what to do with those extra chunks of money that can change the course of your financial future. It sounds like I’m overly dramatizing it, but I’m not.

When you’re struggling to figure out how you’re going to make it all work one month, every little bit of income helps.

So, since we’re preparing for tax season (YUCK) and it’s that time of year where you might get a holiday or new year bonus at work, I wanted to share with you guys some ideas of what you can DO with those extra chunks of money to really make them go a longer way and make them work FOR you.

I wouldn’t share these things if I hadn’t already done them myself… and trust me, these are things that can REALLY, really help your situation… and honestly, even if you AREN’T worried about how you’re going to pay for groceries this month, being wise now can make a difference in the long run.

Six Ways to Use Your Bonus or Tax Return

Continue Reading →

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Winter / Fall style | black maxi skirt, herringbone vest, chambray shirt, blue bag, infinity scarf | North Carolina Fashion Blogger (1)

Chambray Shirt: Old Navy | Herringbone Vest: Stitch Fix (similar) | Maxi Skirt: Target | Scarf: World Market | Bag: Target | Watch: Vierra Watches c/o (use code “BEINGMOLLY” for 10% off your order) | Bracelets: similar | Shoes: Root Collective c/o | Lip Color: Bite Beauty

Photography by Em Grey

Twyla Tharp, smart lady, dancer and choreographer extraordinaire once said that creativity was a habit. She also said that creativity was an act of defiance. She also said that people will laugh at creativity… so you just need to get over it.

The more I think about those statements the more I realize they are totally true. Think about it, creativity is (more often than not), totally, utterly, and completely in the eye of the beholder.

Winter / Fall style | black maxi skirt, herringbone vest, chambray shirt, blue bag, infinity scarf | North Carolina Fashion Blogger (5) Continue Reading →

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January Young Living Essential Rewards Order Unboxing

I’m back for another essential rewards order unboxing from Young Living. Let’s just call it my big, monthly oily haul! You guys know how much I love, love, LOVE my essential oils and how much they have totally, utterly, and completely changed my overall health and the health of my family!

Anyway, I got my monthly order and it’s another big one… haha woops! I am sensing a theme… :) I just love these products and love sharing them with you guys! So many of y’all have requested more videos and I’m trying to do them more and get into a regular routine with them… If you have ideas for videos you want to see, please let me know! I’d love to do them!

Also, I have another online class coming up TODAY (Tuesday the 20th) at 1:30pm EST… you can tune in here.

Okay, enough rambling… let’s get to the video!

If you can’t see the video below, click here.

Interested in ordering your premium starter kit with Young Living? You can do so here: http://bit.ly/MollyYLEO.

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Winter / Fall style | striped blazer, blanket scarf, blue bag | North Carolina Fashion Blogger (1)

Blazer: Marshall’s (old, similar) | Bag: Target | Earrings: Nickel and Suede c/o | Blanket Scarf: Jane | Jeans: Stitch Fix | Top: Stitch Fix | Watch: Vierra Watches c/o (use code BEINGMOLLY for 10% off your order) | Shoes: Root Collective c/o

Photography by Em Grey

The other day I got to being all reflective and stuff and I talked about dreams. Life dreams. Not sleep dreams. As I sat and thought about what I wrote and read it and reread it over and over again, I started thinking about comfort zones.

For the most part, I am an open book. I’m fairly comfortable in my own skin, but strangely, there are some things that just feel totally, utterly and completely out of my “comfort zone.” And the more I think about what is or is not in my comfort zone, the more confused I feel because sometimes those things almost contradict themselves.

What do I mean?

Winter / Fall style | striped blazer, blanket scarf, blue bag | North Carolina Fashion Blogger (3) Continue Reading →

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Augusta Sportswear Review & Giveaway (5)

You guys know I’ve been on this quest to get healthier. I know, I know, EVERYONE says that… but I’m being serious. In the last year I’ve taken MASSIVE strides to get healthier overall. I’ve started using essential oils, I’ve been eating cleaner and better, I’m getting out and walking more, and I’m getting more sleep and tracking my steps… I’m literally trying everything I can to improve my overall health and wellness in every aspect.

But, I will be the first to admit, that exercise has been my biggest struggle. I used to be a runner and then I hurt my knee and never got back into it. Then I was AWESOME (I say that as humbly as possible) and worked out basically my entire pregnancy… all the way up until Lilly was born. And then I had a c-section and my recovery was so tough. And I fell out of the habit. Continue Reading →

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Winter / Fall style | red jeans, black and white graphic blouse, denim jacket | North Carolina Fashion Blogger (1)

Red Jeans: Stitch Fix (similar) | Denim Jacket: Belk c/o (similar) | Scarf: World Market | Graphic Blouse: Stitch Fix (similar) | Clutch: Stitch Fix | Earrings: Stitch Fix (gift) (love these) | Watch: Vierra Watches c/o (use code “BEINGMOLLY” for 10% off your order!) | Shoes: TOMS for Target (similar)

Photography by Em Grey

This post has nothing to do with this outfit.

You’ve been forewarned.

I’ve been thinking a lot about dreams. You know… life-long dreams. Living your dream. The American Dream. Dreaming big. Always dreaming. ALL OF THE DREAMS.

Winter / Fall style | red jeans, black and white graphic blouse, denim jacket | North Carolina Fashion Blogger (2)

I was listening to a talk the other day where someone said, “When people say, ‘If you believe it, you can achieve it… that’s all well and good, but the fact is, that’s not really true.'” 

And boy did that ever resonate with me. I’ve always sort of felt that the whole “If you dream it, you can achieve it” thing was a bit of a farce. I’m not trying to be a Negative Nancy or anything, but let’s think about it for a moment…

So, if “If you dream it, you can achieve it” was true, then…

  • I’d sing like Carrie Underwood
  • I’d be able to move like Beyonce
  • I’d have a body like Cindy Crawford (in her younger days, heck… even NOW)
  • I’d be able to fluently speak all languages
  • And I’d be a bajillionaire. Literally a bajillionaire.

None of those things are true and none of them will ever come true. No amount of dreaming is going to give me any or all of those things.

And that’s okay.  Continue Reading →

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