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“Okay Elle... I can probably do the Salmon, but Brussel Sprouts?!... Ewwww!”
I definitely thought the same thing before I tried this recipe... but before you get all grossed out on me, have you tried roasted brussel sprouts lately? I mean seriously… these veggies are not your average, yuck-nasty, boiled brussels sprouts that your family seemed to make you eat as a punishment when you were a kid… oh no, girlfriend… the way these veggies are prepared will actually make you crave them on a regular basis. Ask my wife…this recipe changed her life!
On the flip side, if you love healthy and filling meals as much as I do… you’re definitely going to want to add this to your recipe rotation! Here’s how you make it:
You’ll want to pre-heat your oven to 450 degrees and break out the chopping board because we’re about to do some slicin’ and dicin’ (unless you have one of those handy-dandy chopping gadgets that cuts down on soooo much time).
I first take about a pound of brussel sprouts and rinse them off to ensure their clean. If some of the little leaves come off, that’s okay, they make tasty little crispy pieces when they get to roastin’. Then I cut the ends off one by one, slice them in half, and toss them all into a foil-lined pan sheet. Make sure they’re lying pretty flat and not all on top of each other.
After, I chop up about 6 to 7 large garlic cloves as fine as I can get it (this is where that chopper thingy would come in handy) and I’ll throw about half in with the brussels, leaving the other half for the salmon (OMG… this is already sounding good). Sometimes I’ll even add in some diced yellow onions if I’m in the mood to do some extra chopping, but today... wasn’t one of those days (lazy).
Next, I’ll take about a tablespoon of olive oil and pour it all over.
And because we don’t want no bland ass brussel sprouts, now is the time to season. I sprinkle in some garlic salt (yes, more garlic because it’s so good), creole seasoning, and black pepper.
Then taking my hands, I mix… making sure everything is coated evenly.
By this time your oven should be ready to go, so just pop the pan sheet in the oven for 15 minutes, making sure to stir every 5 minutes.
While the brussles are roastin’, you’ll want to start prepping your fish. If I’m feeding 4 people, I’ll use about 2 pounds of salmon cut into 4 servings. I like mine without the skin, but some prefer to leave it on, so that part is totally up to you.
Once you rinse the salmon (because I rinse everything whether you’re supposed to or not), you’ll coat it with a little bit of olive oil. Then take the other half of your garlic, and press it evenly into each fillet.
When the timer goes off letting you know the brussels are done, you’ll notice they’ve shrunk down a bit. At this point you can find the gaps between the brussels and place the fillets of fish on the pan sheet. Pop it back in the oven for another 10 - 12 minutes or until the fillets are white and flaky.
If you really want to get fancy, when all is said and done, you can place some fresh lemon slices on top of the salmon, grab a glass of wine and snap a pic for the gram, showing off this healthy, bomb ass meal you just made!
While a seafood meal can be a little pricey, I definitely think this one is worth it. The most expensive thing on the ingredient list is the salmon, of course, but everything else is kinda on the cheap side so it evens out.
I hope you try it out and let me know how you like it! Download the full recipe below!
Until Next Time,
If you’re a regular reader of Girlfriend’s, Budget… you’ll know it’s no secret that saving is my very favorite part of this whole budgeting thing! While I do love that accomplished feeling of knowing all my bills are paid on time, my debt is minimal or non-existent, and I have some extra money to blow (because I’m living below my means), it’s just something about saving that makes me feel so boss every time I hit that transfer button and see those digits in my account increase!
It’s like my little pot of gold that I know is tucked away at the end of the rainbow, ready and waiting for me in the event life throws me any major financial curve ball.
As a financial coach, I teach all my clients how to get on the path to financial freedom by using a very simple budget pyramid. The lessons of one step leads up to the next until this budgeting thing becomes your normal way of life. Saving is like the 3rd step in the budgeting pyramid…
The foundation of getting your financial sh*t together starts with knowing how to first manage your money by living below your means and paying all bills on time (since that is 35% of your credit score). The second step is to then pay off some debt in order to free up funds to start saving… because you can’t really save if your debt is eating up all your extra cash.
RELATED: How to Dig Out of Debt.
Once these two steps are tackled. You’re now ready to move on to saving, girlfriend!
But it’s not just one pot of gold, there’s several.
I’ll explain what I mean…
When it comes to savings accounts, I always encourage people to try to have more than just one. If you think about it, often times you’re not wanting to save for just one goal. Most individuals want to simultaneously save for a new house or car, while also wanting to save for a vacation and stash a little away for a rainy day.
So that probably seems like a lot of freakin’ saving, right?!… But it’s all possible with a well-planned out budget.
I cannot stress this enough. Your money can go so much further than you think when you really learn to use it as a tool to do the things you want… instead of blowing it on meaningless frivolities.
I’m a living witness.
So today... I'm sharing with you some savings accounts that I’d recommend and the purpose for each one. Let’s start saving, girlfriend!
An Incidental Savings is an account that allows you to have money set aside in the event of a minor or major emergency. I’d highly recommend building this account up to equal at least 9 to 12 months of expenses. You can calculate how much should be in this account by adding up all your monthly bills and multiplying by 9 (on the low end) and multiplying by 12 (on the high end). There’s your range… and the goal you should shoot to achieve in this account.
You really want to reserve this account for emergencies only though. Here’s a few scenarios to think about:
Scenario 1: You get into a car accident and your insurance is requiring you to pay (at minimum) a $500 deductible to get your vehicle repaired.
Scenario 2: In that same car accident you hurt yourself and now need to get x-rays at the emergency room.
Scenario 3: Your job is downsizing and you have just been laid off.
So where’s a girl to turn to for help?... Your Incidental Account, girlfriend!
You see... when you set yourself up to be financially prepared for some of life’s gut punches, it truly makes disastrous events like the ones listed above much less stressful.
Here’s where you get to be a little selfish, girlfriends!
A Personal Savings is an account that you’ll want to build on in order to make a pricey purchase for yourself… that way when something comes up that you just gotta have, you’ll already have a little money stashed away and won’t have to go digging in your Incidental Savings.
I actually highly recommend this account specifically for couples who have intermingled their finances together. I suggest this because… let’s face it, we all want a little stash of our own.
Let’s say you want to save up for a fancy date or a nice gift for a birthday or anniversary celebration. Or what if you just want to treat yo’self to a trip or a hangout with your girlfriends.
You can use this account to save up for those types of things without your partner feeling like you’re taking from the money you all have saved together. It will be your own money that you’ve set aside for yourself… to splurge how you like.
I’ll give you a personal example:
Recently my all-time favorite artist, Janet Jackson, came to my city to perform. And if you know me personally, or follow me on Snapchat… you’ll know how much I absolutely LOVE Janet Jackson. So, of course, this was an opportunity I just couldn’t pass up, because who knows when (or if) she’d be going on tour ever again!
Thank Heavens for my personal savings... because this concert was definitely not something I had budgeted for. But since I already had a nice cushioned amount saved up in this account, I was able to pay for the ticket in full without the worries of having to put it on a credit card or figure out how to pay someone else back later.
Actually, I really splurged because I bought this $40 t-shirt… that nobody but Janet could have made me pay $40 for, but still had a few hundred dollars left over in this account... because I’m choosy about my purchases.
No, this is not an excuse to have every little thing on your “gotta have” list, but you’ll more-so want to be reserved and choosy with what you spend this money on… especially so this account has time to build. If you’re spending it on every little thing, you’re defeating the purpose of this account and ultimately… you’ll have nothing in it.
We all need a little vacation from time to time right? And if you and your boo (or friends) like to travel as much as Dee and I do, you’ll definitely want a dedicated travel savings. If you and your partner are putting a little money into this account each time you get paid, you’ll see how quickly it begins to add up.
While you’re saving, you can begin doing your research on pricing for the places you want to go and things you’ll want to do while there. That way you’ll know exactly how much you’ll need to be saving in this account. There’s no faster way to ruin a wonderful trip of rest and relaxation than to come back faced with a pile of vacation debt.
So do yourself a favor… prepare and save prior to taking your trip. Trust me, you’ll thank me and yourself later!
RELATED: How to Incorporate Vacations into Your Budget!
So while you’re doing all this saving for Incidents, Personal, and Travel… we can’t forget to set ourselves up for retirement, right girlfriend? That’s where your 401(k) plan comes in.
Don’t know what a 401(k) plan is? Let me briefly explain…
According to The Wall Street Journal, a 401(k) is a retirement savings plan sponsored by an employer. So basically, you contribute a percentage of your paycheck (before taxes) to a plan that offers a spread of stocks, bonds and money market investments managed by an administrator that your employer usually hires.
The best part of a 401(k) plan is that nearly every plan offers matching funds. In other words... FREE MONEY!
Let’s say you choose to put in 3% of your $50,000 pre-tax salary and your company offers a 3% match. Well guess what, girlfriend? By the end the year you’ll have at least $3,000 stashed away in a retirement account just for you!
And since these funds are tied to the stock market, you’ll gain what’s known in the financial world as… compound interest! Which means at this point, your money is now working for you… even while you sleep! (Well that was easy, huh?!)
I know many individuals who refuse to put money into a 401(k) plan because they think their net check will be significantly less and they’ll be struggling to get by. But listen hunty, when you master step one of the Financial Freedom pyramid, Money Management, you’ll learn to make it work with what you have and live within your means… especially if that means setting yourself up to enjoy the fruits of your labor in your golden years.
I mean really… who wants to work forever? Definitely not I…
I’ll be on the beach somewhere in my old age sippin’ a pina colada without a care in the world…
And I’m hoping you’ll be there to join me!
Drop a line below and let me know what you think of this post!
Until Next Time,
P.S. This is not a comprehensive list of savings accounts...just accounts that I suggest. Each individual or household will be different.
Other ideas for savings accounts: house savings, car savings, new baby savings, college savings, medical surgery savings, etc.
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It’s Friday and for many… it’s also payday (Wooo-hooo)! And in most of our minds, that’s definitely something to celebrate.
So you convince yourself that it’s okay to “treat yo’self” because after all… you did just go through two weeks (a month for some) of pure workweek stress (sometimes the only thing I really wanna to make hangout plans with is...my bed).
But your friends and co-workers are all ready to hit the happy hour scene annnnd… why not?!
Hey girl, hey!
How many times have you been ready to turn up for the weekend, but after looking at your account balance your “turn down for what” mood quickly changes into “turn down for real”?
Listen… we’ve all been there and I can speak from personal experience. But just because your funds are low doesn’t mean you can’t have a fun weekend… it just takes a little creativity.
Hey girl, hey!
When you think of the word “sexy”, what exactly comes to mind? Most people automatically think about a physical attraction, but girlfriend it’s waaay more than that! True sexiness comes from within and after three decades of being alive, I finally learned what being sexy is all about… so today I’d like to share with you how I maintain my sexy and how you can do the same. Let’s chat!
Hey girl, hey!
Summer is officially here (well, at least the scorching hot Texas temperatures say so where I live) and let’s face it, sometimes we all just need a break… from life! So what better way to get that break than to plan a summer girlfriend’s getaway (sun’s out, buns out!). The good news is that traveling doesn’t have to be a big production, nor does it have to be expensive. So I have listed some tips below on how to keep those coins in your pocket, while still having a good time with the ladies! Let’s chat:
Hey girl, hey!
So you’ve come to the place in life where you feel it’s time to strike out on your own and to that I say, go for it, I’m all for independence! However, before you take that momentous leap, take some time to ask yourself these 5 crucial questions just to make sure you’ve covered all your bases:
Hey girl, hey!
Have you found yourself reaching that stage of adulting where you know establishing good credit is an absolute must? Unless you plan on paying for… pretty much everything you have upfront and in cash, it’s definitely your best bet to start building credit now...before you need it. Don’t know where to start? I gotchu, girl!
Hey, girl hey…
So you’ve been seeing this guy or girl for the past few months…(I’d say 3 months minimum). You don’t want to be asking these questions on the first date and having a potential partner thinking you might be a little cray. But after several dates, and the feeling that things may be really starting to heat up, you might want to begin digging a little deeper… financially! Because although this person may be super dreamy and have the ability to say and do all the right things, their answers may actually determine how much further your relationship will go…(I’m just saying). I mean, why date without a purpose, right? So today, let’s discuss some questions you need to ask your honey buns on the next date:
Hey Girl, hey!
Look… I’m best known for being a straight shooter. In fact, my witty honesty is one of the qualities most people like about me (well... some people don't.... I know I'm not everyone's cup of tea, but I'm okay with that!). Anywho, it’s rare that I ever beat around the bush, because I’d rather just tell it like it is… and today will be no exception. Ladies… let’s get raw. Can you handle the truth?!