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About Me

by Latoya Scott







Life and a Budget was created to help women and their families create better finances while enjoying a little carefree living!

I’m a Certified Financial Education Instructor (CFEI), freelance writer, goal chasing, mama to two and wife to the finest man I ever met in my life.

See, I didn’t grow up learning how to balance a checkbook, pay off a credit card in full, and save for retirement. I grew up learning the basics of how to mess my finances up, which led up to my bankruptcy by the age of 23.

But now I’m singing a different song. I’ve rebuilt my credit, learned how to save, and now I educate other women on how to build solid money management habits and live a good life on a budget.

By you being here, It’s safe to say you’re sick and tired of being sick and tired too. Regardless of whether you’re in debt, have overspending tendencies, or just want more options than you currently have – I want you to know that I am here to serve you and help you get on the right path financially. We’re going to help you have a life and a budget, sis!

Consider me your personal cheerleader and teacher. I’m here to provide you with encouragement and information on how to pay off your student loans, start a side-hustle, be more frugal, or manage your money


Contact Information:

Email | Facebook | Twitter | Pinterest


ATTENTION: Unfortunately, I am not accepting any guest post at this time. Please do not send any emails inquiring about guest posting or becoming a contributor, as you will not receive a reply. Also, I DO NOT accept links in exchange for payment. Thank you.



Sarah Noelle @ The Yachtless March 20, 2016 - 10:24 am

I too have a hefty amount of student debt (about $56,000) that was taken out largely for living expenses (well, I took out $49K and the rest is interest that accrued while I was still in school or making income-based repayments). I totally remember that experience of getting the refund check and thinking, “yeah! I have money now!” and then going and spending some of it on things I didn’t really need. I wish I had understood what it would be like to have to pay that money back someday. I value my education, but I know for sure that I could have borrowed far less money and still managed to pay rent and feed myself. In any case, I’m working hard to pay the debt back now — I’ve just started doing some freelancing and hope to do more, in addition to my day job.

Thanks for sharing your story. I’m excited to follow your blog and hear more about your journey!

Latoya S. March 21, 2016 - 12:29 pm

Hi Sarah, thanks for coming by and sharing your story as well. I’ll be following you on your journey as well!

Regina Whitley July 31, 2018 - 11:35 pm

Hi Latoya,

I love, love all this valuable information you have provided for us women. I will definitely be putting this information to practice in my life, I too have a large amount of student loan debt I need to reduce, I could not have run across this information at a better time. Also I am new in the blogging world. I mentioned your article in my latest post 5 Wealth Building Strategies for Women. I love the article “22 Ways to Treat Myself Without Spending Money” love, love this it coincides with one of my post points as well. When you have a chance please take a look . If you like please Twit it out


Latoya Scott August 2, 2018 - 1:28 am

Thanks, Regina! I’m glad you found it helpful!

Amanda December 25, 2018 - 3:12 pm

I would love to follow you and learn. Maybe you can share different ideas and things that you have done.


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