Credit Cards

Capital One Venture X

Annual Fee: $395
Bonus: 75,000 miles after spending $4,000 in purchases in the first 3 months
Why I love this card:
-I get 2x points on ALL purchases
-Great for travel
-Annual credits/perks that cover the fee

I use this card for all purchases that I can’t get more than 2% for (usually doctor co-pays and random shops).

This card completely covered our 6 night Airbnb booking in Costa Rica (over $1,100)!

Chase Freedom Flex

Annual Fee: $0
Bonus: $200 after spending $500 in purchases in the first 3 months
Why I love this card:
-5% cash back on groceries your first year
-5% quarterly bonus categories
-5% on travel through Chase
-3% at restaurants

I use this card every time I get food out and for certain bonus categories (gas, gym membership, Amazon, PayPal, streaming services).

CITI Custom Cash

Annual Fee: $0
Bonus: $200 after spending $1,500 in purchases in the first 6 months
Why I love this card:
-5% cash back on your top eligible spend category (groceries, gas, restaurants, drug stores, home improvement stores, fitness clubs)

I only use this card for groceries! Super easy to remember and I get 5% cash back which is usually more than $250 in the year.


Annual Fee: $0
Bonus: $100 statement credit after making any purchase in 3 months
Why I love this card:
-5% quarterly bonus categories

I use this card for certain bonus categories (gas, Amazon, restaurants).

Chase Sapphire Preferred

Annual Fee: $95
Bonus: 60,000 bonus points after spending $4,000 in purchases in the first 3 months
Why I love this card:
-Large bonus
-Great for travel
-Annual credit/perks that cover the fee

I opened this card primarily for the bonus, but I will continue to use it for booking travel.

CITI Double Cash

Annual Fee: $0
Bonus: $200 after spending $1,500 in purchases in the first 6 months
Why I love this card:
-2% cash back on all purchases

I use this card for all of my business expenses.

Capital One VentureOne

Annual Fee: $0
Bonus: 20,000 bonus miles after $500 in purchases in the first 3 months
Why I love this card:
-easy bonus
-1.25 miles on all purchases

I don’t use this card often but it was what I used before opening 2% cards!


Annual Fee: $0
Bonus: $200 after $500 in purchases (and on-time payments) in the first 365 days
Why I love this card:
-super easy bonus

I actually never use this card, but I opened it because they had a great bonus offer. It’s not the same offer now, but still super easy to earn!

Wells Fargo Active Cash

Annual Fee: $0
Bonus: $200 after $500 in purchases in the first 3 months
Why I love this card:
-easy bonus
-2% cash back on everything

I actually closed this card because I now have the Capital One Venture X card for 2%, but this is an excellent card for beginners with an easy to achieve bonus offer.

Save Money

Mint Mobile

I made the switch to Mint Mobile in October of 2022 and I am so glad to be saving on my phone plan!

I have the unlimited plan ($30/month), but all plans include:

  • Unlimited Talk & Text
  • Access to 5G
  • Mobile hotspot

It’s super easy to switch and you can keep your same phone and phone number!

Plans start as low as $15/month and you can pay 3, 6, or 12 months at a time.

Make the switch here.

Marcus by Goldman Sachs HYSA

If your savings isn’t in a high yield savings account yet, what are you doing?!?

I’ve been using Marcus by Goldman Sachs since 2018 and I’ve earned thousands in interest since then.

Marcus allows you to create multiple accounts under one login, so you can name them and set up your sinking funds with ease

Make Money

Start a Salesforce Career

I have my Bachelors and Masters in Biology. I was a microbiologist at the CDC for 4 years. In 2021, I decided I wanted to make a career change, but I didn’t want to go back to school or spend a ton of money.

Insert Salesforce and the Talent Stacker Career Development Program. I first heard about it on my favorite finance podcast, ChooseFI.

After one year of learning, studying, and interviewing, I landed my Salesforce consulting job making more than my bio job. I got a 5% raise after 7 months and got promoted after 1 year.

If you’re willing to put in the effort, it is worth it!

If you want to learn more, attend one of the weekly live sessions!

Start a New Career

Course Careers offers a number of programs where you can learn new skills to land an in demand job with a higher salary.

Programs include Tech Sales, HR, Digital Advertising, Data Analytics, UI/UX, and more!

Use my link and get $50 off!


Scan all your receipts, earn points, and then redeem those points for gift cards!

I always redeem for Amazon gift cards and then I buy books guilt free 😊

Use my code EJH9Y when you sign up to get extra points (usually 250, but sometimes 2,000!)


Rakuten is a browser extension that offers cash back on HUNDREDS of popular websites.

I don’t want you to spend money unnecessarily, but if you are doing any online shopping, you need this extension!

When you visit a website, a prompt will pop up asking if you want to activate cash back, click Activate, shop/check out as usual, and you’ll see that cash back in your Rakuten account within a couple of days! Pay out is every 3 months.

Use my link to get a $30 bonus after making a purchase of $30+ that qualifies for cash back within 90 days of signing up!


The Ibotta app is a coupon app for AFTER you go shopping. Check the app before you go, or shop as usual then check if you can redeem any cash back/coupons.

After adding your coupons, upload a photo of your receipt, and receive your cash back!

You can cash out once you reach $20.

Use my code 85ZNG or my link to get $5!


The Upside app can be used to earn cash back at gas stations or restaurants. I only use it at gas stations, but I use it EVERY time I get gas.

Simply see which offers are around you, claim the offer, pay for your gas, and the cash back will process in a few days.

These earnings can be redeemed to your bank account or for gift cards!

Use my code LEILA95286 for an extra $5 the first time you use the app!

Invest Money


My investment platform of choice is Vanguard.

Currently, I have my Roth IRA and brokerage account with Vanguard.

My whole Roth IRA is invested in VTSAX. My Brokerage account is invested in VTI and VGT.

Outside of these accounts, I have my 401(k) (with Guideline) which is also invested in Vanguard funds.

This is NOT investing advice.

Side Hustle & Business


I use Fiverr to hire freelancers for any specific needs!

My YouTube intro? That was a Fiverr freelancer!

My finance stickers? Designed by a Fiverr freelancer!

Whatever you need, you’ll be able to find a great option.


Beacons is a Link in Bio and Marketing tool that allows you to create and customize a page with all your socials and relevant links.

You can even build and email list, create a media kit, and sell directly through the platform.

They have a FREE option which is what I currently use. You can check out my Beacon link HERE.


I use Gusto to run Payroll. Since my business is set up as an S-Corp, I pay myself through bi-weekly paychecks using Gusto.

It’s very user friendly and affordable, and they also handle a lot of the trickier stuff in the backend (like filing certain tax documents).

Sign up with my link and you’ll receive a $100 Visa Gift card (or $200 if you have over 10 employees!).


I use Novo for my business checking account and I love how simple it is to use!

They also offer tons of integrations and perks where you can save lots of money (like 6 free months of Gusto or Rippling, 6 months free of Notion, and much more).

They now offer pay roll services as well!

Use my link to open an account and you’ll receive $40!

Sticker Mule

The stickers I sell on my Etsy shop are printed by Sticker Mule! They create high quality vinyl stickers and I’ve never been disappointed with an order.

They offer a number of sticker options as well as coasters, t-shirts, key chains, and more.

Be sure to sign up for their emails to receive frequent promos.

Use my link for a $10 store credit!


I use Siteground for hosting my websites and when buying new domains.

They’re affordable and have the BEST customer service.

Budget & Get Out of Debt

Work with me 1:1

One of my main passions in life is helping others to improve their finances. I do this by helping individuals to create and maintain a budget, choose the best debt pay off/savings plan, and providing guidance and accountability.

If you’re feeling lost with your finances, definitely considering applying!

You can be in a completely different financial situation within a few months!

Debt Free Blueprint Course

If you want to improve your finances and prefer to work through things at your own pace, check out my Debt-Free Blueprint course!

I will walk you through step-by-step your journey toward financial independence.

Finance Templates + Stickers

Causes I Care About

Barkville Dog Rescue

Barkville is dedicated to helping dogs of any size, any breed, and they often take on complicated medical needs.

Please consider donation (they are a 501c3 non-profit). Every bit helps!

Helping Paws of North GA

Helping Paws of North GA is on a mission to spay and neuter cats and dogs to prevent unwanted litters. We have a nationwide problem with overcrowded shelters and Georgia specifically has reached crisis levels despite the efforts of rescue and education programs.

Please consider donating (they are a 501c3 non-profit). Every bit helps and $100 will help cover the cost of 1-2 spays/neuters and prevent THOUSANDS of births.