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The Income Reset: One Space at a Time — Kitchen
A kitchen refresh doesn't have to mean replacing everything. See how I used what I already owned, cleared the clutter, and made a few thoughtful purchases to create a cleaner, cozier space while keeping my budget in mind.

Michelle Torres-Pagan
18 hours ago4 min read


Trick or Treat? When “Interest Free” Comes with a Catch 🎃
Halloween isn't the only time we encounter tricks and treats. From homemade costumes to a tempting credit offer, I'm sharing memories and a money lesson about looking closely before calling something a treat.

Michelle Torres-Pagan
Oct 223 min read


Does Purging Help with Spending?
Decluttering my kitchen uncovered expired food, wasted money, and lessons about spending habits. Can purging help us save money and live more intentionally?

Michelle Torres-Pagan
Oct 156 min read


The Subscription Question: Which One Would You Keep?
When I started looking for ways to spend less, subscriptions were one of the first places I checked. Many can be canceled without a long-term commitment, which can be helpful when restructuring a budget. It’s still worth checking the cancellation terms and next billing date. A monthly charge can seem small on its own. It’s easy to think, “I use that,” or “It’s only a few dollars.” But when several charges come out every month, I have to ask whether I’m still getting enough fr

Michelle Torres-Pagan
Oct 82 min read


Figuring Out What to Eat When You’re Living on Less
One part of my income reset that I’m still figuring out is food. “Cook at home more” sounds like simple money-saving advice. But first you have to decide what to make, buy the ingredients, find the time to cook, and hope everyone wants to eat it. Some weeks, even answering “What are we having for dinner?” feels like a lot. Food choices can be confusing, too. Eating out gets expensive, but then you go grocery shopping and hear that so many of the convenient foods aren’t good f

Michelle Torres-Pagan
Sep 242 min read


The Income Reset: What Happened Next
When I wrote The Income Reset, I was documenting what it looked like to adjust after going from a $153,000 salary to a much smaller income. The book is about the decisions, savings strategies, and mindset shifts that helped me get through that transition. But life didn't stop when the book ended. I'm still making decisions, learning new lessons, finding ways to save, and figuring out what comes next. This blog is where I'll share that part of the journey - the things that ha

Michelle Torres-Pagan
Sep 172 min read
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