misery fail

{new sunnies-gift from mom}

i tried to spend $200 the second half of may and failed...hard.

alas, the attempt is happening again! i am trying to spend $400 total (gas, groceries, spending) for the month of june. on day 6 i have spent $50.00, leaving me with $350.

i have a few days worth of groceries, and just under a half tank of gas so i should be in good shape, but WE SHALL SEE.

wish me luck!
xoxo ashleycolean

month one, year two

{cred}

may of the SECOND YEAR of my financial awareness. sheesh. time flies.

so this month was weird. i tried to get back on the wagon but failed, sorta miserably.

i had a hard time turning down fun, and friends, and activities this month.

alas, i still threw $638.00 in savings, and a normal car payment of $360.00.

the truly exciting portion of the month was when i realized that my savings account finally has as much as it started with last year {remember i pulled a few grand out to pay down my loan} so that's a step in the right direction.

i'm in the process of potentially getting a little part time side job, so bare with me, i may have a whole new plan of action by the end of next month.

total debt down: $19,685.26!
xoxo ashleycolean

the last day

{cred}

today is the last day, of my first year, of the rest of my life...

on may 1, 2011 i started my financial lockdown and it has been a great learning experience. i learned more about personal finance than i ever thought i would. i paid off my student loan debt in it's entirety, and i changed my perception of material things versus my desire to increase my net worth.

i learned that splurges are fine, in moderation, and that you should always hold on to the things that increase your happiness factor-within reason.

in 365 days i paid off $18,687.26!!

this is where i pat myself on the back!! what an accomplishment!! if i would have paid my minimum balance on my student loan and my car, i would have only paid approximately $6,168...less than ONE THIRD what i actually did!

my advise after doing this (kind of on and off but basically) for a year, would be, try it. if only for a month. skimp on things you would normally splurge on, buy generic, don't shop, and see what a dent you can make in your own financial situation! it was worth it for the past year, i promise.

best,
xoxo ashleycolean

shake it up

{cred}

i've been considering an experiment. for three reasons, 1. save money, 2. tackle a couple of these pounds that make my 3 mile beginning miles feel like triathlons, and 3. curiosity.

i posed the question the other day, what would happen if i ate only protein powder 5x a day for a week?

as it turns out, it would be pretty rough on the ol' body-but imagine the savings and simplicity if it wasn't bad for you.

the stress of the $2,500 looming on that no interest card is plaguing my life and keeping me from necessary things, like-the grocery store. i've been working weekends with tails, and watching pennies but i'm still struggling to get a grip on it. it doesn't seem that protein shakes will be the answer, so...

the search continues.
xoxo ashleycolean

TA DA!!!

{cred}

I DID IT!!!!

i just pushed the button on the final payment (EVER) on my student loans!

i am officially out of student loan debt!!!!

in ten months time, i paid off $14,475.50!!! my starting balance on may 1st, 2011-when i started my lockdown, was $14,059.09-so i paid an additional $416.41 in interest.

imagine if i'd never started to pay down with serious ferocity how much interest i would have paid!

i have a million thank yous for anna from 'and then she saved' for motivating me to do it, and making it seem doable. when i read her interview in 5280 magazine last april i would have never dreamed i could make this happen in less than a year. as much as i wished i could have gone on that trip, or bought that dress, or picked up happy hour for everyone over the past ten months, the feeling of accomplishment i have right now FAR out weighs all of those little things i cut back on for a short period of time. small cuts make BIG differences-i promise!

today, i'm riding this high.
tomorrow, on to the savings goal-

i'm so happy i feel like punch dancing!
xoxo ashleycolean

TOTALLY TUBULAR

'tis the time of year for all things recap! so here you have it. in just 8 months and 3 days i have saved, via savings and debt payment, $11,730.35!!

eleven thousand, seven hundred and thirty dollars, and thirty five cents!!!

and let me tell ya, it feels damn good!
xoxo ashleycolean

month 7!!!

seven months!!!
you have got to be kidding me!!! i can't believe it's been seven months!!! CHEERS!!!

this month was weird. i decided to move-no really, actually do it-not just talk about doing it.

i gave notice and then got screwed and had to stay an extra month.

i spent my first thanksgiving without my parents and my sister-which was really weird and not my favorite. it kept me from gaining 10 pounds in two days, but still-not my favorite.
i had a fun time with my future roommate and the cousin, of course. it was a fun day for sure, just not what i'm used to. not going back did help me save a decent chunk of change on travel though, which is a big positive with christmas around the corner.

i had a tails job for 10 days with one of my favorite pups, nutmeg. she is so fun and so sweet. the money from that will show up next month.

my total paydown in month 7 is $1500.00.

$360.00 on my vw
$1,140.00 on my student loans

i actually paid a bit more ($127.93) on my loans, but it came out of savings so technically i just borrowed it from myself.

the great news is i only owe $2388 on my high interest student loan after this month!!! so exciting.

december will be tricky with all the craziness i am going to have coming.

a. moving costs (not cheap and so annoying)
b. christmas gifts. i'm going lean this year....very lean. like mom, dad and sister only lean. don't take it personal friends. buy yourself something fantastic with the money you would have spent on me! :)
c. travel to kc for the holiday-although, thanks to my mom the ticket is paid for
d. holiday parties

i'm sure i'm forgetting things.

regardless, i'm proud of this month, looking forward to next month and just dying for TYOA to start in january. TYOA being, THE YEAR OF ASHLEY! more on this later.

did i mention that i only spent $33.08 on black friday!?!? man, i'm good.
xoxo ashleycolean

the six month mark

{cred}

it's been six big bad months since i started my financial lockdown!! and, i'm still hangin' on. i've had my set backs, my misfires, my days where i wanted to give up...but overall it has been a really good experience!! here's how things have broken down over the last six months:

may 2011: month one was amazing! i don't know if i have tried so hard to succeed at something. total debt paid $1,950.52.

june 2011: i took some money from my emergency fund this month to put on the student loan. did well overall with watching my spending, but learned maybe i have to give up whole foods during the lockdown to save more on groceries. total debt paid $3,108.09.

july 2011: had a tails job this month for some extra dough, and also traveled for work so saved a bit on gas/groceries. downside, i ran into unexpected expenses and overspent on my budget. total debt paid $1,695.51 (and $149.35 into savings).

august 2011: this was my first sucky month. sucky, actually, might be an understatement. my car cost me a decent pot of cash, i had to buy an airline ticket i wasn't planning on, broke my camera and had to get a new one, overspent my ass off on a bunch of clothes, etc etc. i only paid my minimums due on both my student loan and my car payment this month. boo, i know. total debt paid $495.30 (oh and that $149.35 came back out of savings).

september 2011: at the beginning of the month i decided that i needed to put more focus into some other areas that were causing me way too much stress in my life. i decided to be good about money, but not focus on it for a little while to hopefully lower my stress level. this month i had a bachelorette party, spent a good deal of money altering a dress, paid for 6 months of car insurance, and focused pretty heavily on getting in shape (and training with my trainer stephanie). i did a few things to help my debt situation this month also. i returned about $200 in unworn clothes that i really didn't need, i had a tails job, and i stayed one night a week at my grandpa's to lower some gas costs. i also got together with friends quite a bit this month but worked those get togethers around free tickets i had to games, pool afternoons and hikes...all free!! total debt paid $778.95

october 2011: what?!?! october is over!??! wtf! talk about flying by! it probably flew because i don't think i stood still for more than one minute for the first three weeks of the month. i was all over the place! aspen to encourage a beautiful friend to try something new, kansas city to watch my oldest friend marry the man of her dreams, beaver creek for a getaway, and various other projects had me hustlin! i followed my plan of relaxing a bit on the lockdown during super hectic times-and still did pretty well! total debt paid $1135.30

starting amounts:
credit cards: ($812.57)
student loans: ($14,059.09)
volkswagon: ($19,243.07)
savings: $5,000.00

amounts due:
credit cards: $0.00
student loans: ($7,828.61)
volkswagon: ($17,351.92)
savings: $2,627.93* it's important to note that i took money from savings for paying down debt and also purchased $500.00 in a Roth IRA (right before the market plummeted-not happy!)

if i can do it with my anthropologie addiction, my self proclaimed food and wine critic position, and excessive number of trips back to kansas city to see friends and family, you can too. i promise. let's change our financial situations. all of us!

this calls for a dance party.
xoxo ashleycolean

month five!!

{cred}

september was my 'okay ashley, get a grip' month. i was putting too much pressure on myself-so, like jeffrey, i'm trying something else....moderation (which has never been my strong suit).

i'm in better shape from month 4. i was a bit of a disaster-but september helped me calm down, breathe, gather myself and make it happen. whatever it may be, at least i was making moves to do the best that i could.
a girl's gotta get some credit for that, right!
i spent a lot of the month (and a lot of the month's money) working out way more than any normal human should to look acceptable in the maid of honor dress i will be dawning in just two weeks from tomorrow! it's been hard work, and cost me a pretty penny (nice gym, protein shakes, a trainer, etc) but hopefully it'll all work out okay.

this month i had a couple big buys also-my 6 month car insurance premium was due, and i made the decision to go for renters insurance. ya know, just in case. a year of knowing all my things are protected against disaster is definitely worth the $159.00 annual premium. if you want to look into renters insurance of your own, go here or check out any renter policy-i even got a break on my car insurance for signing up. thanks geico, for that $9.75 deposit back in my account.
i had a couple of tails jobs this month which helped dig me out from august and the bachelorette party i threw in boulder. another fancy surprise came this month when my mom sent me some money for my flight home for christmas-so sweet of her!!
the good news: i'm back to zero on my credit cards!! i made a little extra payment on my loans and feel like i can start october with a clearer head as far as the lockdown goes!
total debt down: $778.95!
the cool thing about this month is i am now below $9,000 on my student loans and below $18,000 on my car! whoohoo! i can't wait to be done with my student loan! that'll be a really really exciting day.

you can check out my previous progress (and pitfalls) from month 1, month 2, month 3 and month 4.
i'm almost positive that in the month of october (unless something i haven't forseen comes up) i will move out of the red on my net worth-which would be...ah-maz-ing!
not bad for taking a break, ehhh.
xoxo ashleycolean

math

{cred}

i know i am on hiatus from the lockdown in it's entirety, but that doesn't mean that i don't still spend some serious time with my spreadsheets, numbers and goals surrounding the plan.

today i was wondering where i am, with my progress. i mean, i obviously have a serious number of spreadsheets laying out all the details of what i've done so far, but i mean by percentage of completion. where exactly am i?

i have good news people.

despite the shittiest month in the history of the lockdown (only paying down minimums) i am actually not in bad shape. i have paid off more than 20% of my total debt in 4 months!

of my original debt of $34,114.73- 20% would be $6,822.95 and my total debt down may-august is already $7063.91-which is 20.7%!

my next exciting goal will be 25% which i should technically reach by halloween because that would be exactly 6 months into my two year GET OUTTA DEBT plan! 25% of my total original debt is $8,529.68!

which means, i need to pay a total of $1,465.77 between september and october. doable, i think. especially since my combined minimum for two months is $990.60. so, you see, i only need to scrounge up an additional $475.17 in two months.

so if you are feeling totally overwhelmed with your debt try breaking it out into segments, like percentage of total debt like i did here, small goals along the way, or average monthly payment to reach your goal.

you can do it! and what's the worst that can happen!? you pay off $1,245 dollars in a month instead of $1,250.00!?? well damn girl, you still paid $1,245! i'm attempting to start looking on the bright side.

so this is me, looking on the bright side.
xoxo ashleycolean

make today...

lately i am sure my extreme stress and general sense of 'overwhelmedness' (ac word) has come through in my posts-and or lack there of. every once in a while i get ten shades of overwhelmed, and since i am not a black belt at handling stress it always tends to snowball.
i become paralyzed by my stress and do nothing to change the circumstances causing the problems. it's not my best strength.
so when it was time for my mom to visit i was hoping she would be able to solve (or at least help solve) a number of the problems i was having....and SHE DID!! moms have a funny way of making you feel better about things.

i thought my mom handed me some pretty great questions to get to the middle of my stress, anxiety and overall bad attitude about changing all of the above, and i think they would relate to just about everyone.
1. what is causing you stress?
2. when do you think about it the most?
3. what would make your stress go away?
4. what is the number one thing you would change about your current situation that would make you happier?

my number 4 thing was not 'get out of debt.' so she said (paraphrased) i am putting too much stress on myself in an area that is not my number one focus. how silly, right!
so, i am going to keep this up-the whole paying down the debt thing-but i'm going to go on a bit of a hiatus. i need to take some time for me to get solid on some other areas of the ol' life space. if that means simultaneously paying down some debt-great. if it doesn't-that's okay too. i'm still working toward the goal, and i'm not planning to undo any of what i've done. i'm not going to run to the mall and buy 15 things at anthropologie, or start going out for drinks every night. the happiness and relief that has come from my financial lockdown thus far is worth more to me than to give in again.

ultimately, i'm aiming for some other goals over the 'pay off your debt' goal. for a bit, anyway.

{cred}

here's to happiness.

xoxo ashleycolean

month 4

welp-here ya have it.

total debt paid: $495.30.

yes, those are my minimums. minimum payments?!? i mean, come on. i have a blog about paying down debt and here i am paying minimums.

at first, i felt like a total fraud, but then i realized....life happens. we all have stuff come up, things we weren't expecting to pay for. pricey items that end up being mandatory. hail happens, doctors appointments happen, unexpected flights happen. we make mistakes. we buy that sweater because it's beautiful, we go out for a drink and end up having 4, we let the guilt of not buying a gift be bigger than our desire to get out of debt.

at least i hope this happens to other people too, or else i'm up shit creek.

yes, i wish i wouldn't have spent as much money on clothes this month, i wish i wouldn't have had to buy a new camera (even though i shopped around and found one for $114), i wish my car wouldn't have gotten destroyed by hail. but, it happens.

i feel, ending this month, a little out of control. i'm not sure my balances, i owe on a couple of credit cards, and i'm throwing a bachelorette party over the weekend (which i am super excited about) that will cost me a bit more money and throw me a bit more out of whack. however, i think i did a great job planning an AMAZING weekend-on a budget. i'll tell ya'll about it next week! :)

by the end of september i will be back on track. i will have all of the cards paid off again and get back to my budget.

here's the thing. i'm being honest with you. just because you have one bad month with money doesn't mean you should give up. i'm feeling overwhelmed, but i refuse to give up. nothing would be more obnoxious than starting this over because i went on a spending bender.

one bad month doesn't mean you should quit.
next month, i'll aim for more than this month, and so on and so forth until i'm right back where i need to be.

but if you want to send good juju my way-i'm not turning any away right now.
xoxo ashleycolean

month three!!!

{cred}

here we are-Q1 of the financial lock down completed! if we were sharing this at an ashleycolean shareholders meeting, i feel that everyone would be very happy with the results...feeling good about Q2!!

this month i figured out one of my downfalls...whenever something comes up that screws up my goals, or plans, or budget i get a 'screw it' attitude and feel like just spending more and more. i guess it's sort of like, well, you screwed it up so you might as well go nuts!

the good news, my friends, is that i fought that feeling and when my car got destroyed by mother nature and i had to spend another $70.00 i wasn't expecting for travel-i held out. i didn't 'go nuts' i felt secure in the fact that i had the money to cover it. sure my lock down numbers wouldn't be as high this month (and next when i have to get my car at the shop) but at least i did the best i could.
i'm happy with myself. hap hap happy.

i had a couple of 'tails' jobs this month that helped out the amount i was able to pay down. and, despite a slight over spend on my 'wants' i still pulled out a total debt down of $1,695.51, and also put $149.35 in savings! not bad, eh!
july i met goal 2 on my list! under $10,000 on my student loans!!!!

august is going to be a big month too! despite the fact that i'll have to take care of my rental car and the costs to get my vw back, i think i'll meet goal 3, a positive net worth. can i get a woot woot!

{cred}

thanks tina! i think you rock too!
xoxo ashleycolean

small goals, big progress

i talked recently about making step ladder goals....little goals along the way to be happy about progress and breakup the hugeness of paying $34,114.73 in 24 months!

here are my bigger, little goals :)

1. pay off all consumer debt (credit cards)
2. get under $10,000 on my student loans
3. achieve a positive net worth
4. $7029.55 on student loans (which will be half of what i started with on may 1)
5. $10,000 down on my total debt in 6 months or less

the best part about goals, are rewards. so i came up with a few fun things i can reward myself with for meeting each goal.

rewards:
1. i already reached this goal, so rewarding now would be anticlimactic :)
2. mkors watch (don't worry, i've been saving gift cards)
3. a dinner out (my mom will be in town the month i think that i'll make it, i bet i could talk her into paying)
4. brunch with a friend at the st julien (use my gift card, that even includes tax/tip) i won from a contest)
5. a night at the st julien (with a gift cert)

i'm a big believer in goals and rewards. just be careful your reward doesn't hurt your future goals. they say when you're dieting it's horrible to reward with food-the same goes for financial goals, don't reward with spending money because it'll just curb your future progress!!

save those gift cards!
xoxo ashleycolean

and for what?

i was talking about my financial lockdown the other day at softball and someone asked me, 'so how are you doing it????'

i surprised myself with the answer....'pretty much, i quit shopping.'

it just sounds so easy, but seems so hard.

so that got me thinking. why do i feel so great when i spend hundreds of dollars i don't have? what is that thrill i get from forking over my cards? where does it come from?

i think, and bare with me here-that women, have a terribly unhealthy relationship with money. i'm generalizing here but...it isn't appropriate to talk openly about it (according to most people). all of our icons have it. we can't get enough of it. our status depends on it. unfortunately, we're all just trying to be like everybody else. and eventually all of this crap equals deep debt, or deep regret, or both.

{credit}

your relationship with money is just like any other relationship. with your family, with food, with a lover-if it's unhealthy it effects all of the other areas of your life. we need to have a conscious relationship with money or it'll go bad on us-get funky-turn unhealthy....fast.

so, here i am. having a conscious relationship with money. making mindful and tactful decisions, even if it's not the cool thing to do.

i'm refocusing. reevaluating. and deciding to get excited about increasing my net worth, not the number of designer bags in my closet. i'm deciding to talk about it. be honest. and take control of my life, my debt, and most importantly...my future.

to hell with fitting in.
xoxo ashleycolean

for the newbies

{credit}

now that i'm picking up views from and then she saved traffic (thanks to my free ad from anna) i thought i'd offer up a bit of a recap of what's been happening over here for the past couple of months.


after seeing anna in 5280 i decided to try and make a go of it myself-get out of debt $34,114.73 in 24 months. hefty goals. big cut backs. the works.


month one was tough-but totally rewarding with a total debt pay down of $1,950.52! it was amazing to me how free i felt financially even though i was totally cutting back on virtually everything. i knew if something came up, i could cover it-because (unlike previous times) i hadn't spent that (hospital copay, car tags, prescription, etc) on 5 so-so tops from H&M.


month two i did some investigating about what i really needed to keep in savings and what i could take out of my emergency fund to put toward my debt. thanks to a bit out of savings and somehow keeping my nose to the grind stone, my total debt payment for june was $3,108.09! in june i did a lot of reading, and got pretty obsessed with the 'out of debt' prospect!


so far this month. i'm cruising. i did make the mistake of spending the majority of my optional cash early in the month, which sucks, but hey-i'm still learning. i'm no expert. i'm no genius. i'm no money guru. i'm just trying to make this happen, and have fun with it, so one day i can look up and feel proud of where i am financially rather than feel horrified about where i am.


total debt down to date: $5,058.61! :)
follow my little baby beginner blog by clicking 'follow' on the right.
i promise not to spam you.
xoxo ashleycolean

holy macaroni

big happenings over here in my little baby blog camp today, ya'll.

the anna, from the and then she saved gave little ol' me a little ad space for the month on her site. amazing! she is after all the reason that i started my financial lockdown in the first place!!

{credit}

you can see my mini face on her site starting now!
xoxo ashleycolean

MONTH TWO!!!

and the month two results are....... $3,108.09 total debt paid!!!

so this month was a little weird. it went well, don't get me wrong, but it's also a little misleading...
you see, i got about half of that money from savings to put down on my student loan. i had a decent sized emergency fund that i decided would be better served down on my (6.55%) debt than on my (0.125%) savings account. in addition to that payment, and the minimum payments, i put an additional $873.34 toward my student loan!

this month my $200.00 went wayyy too fast. i over spent once (better than about 3 times last month) and bought too much alcohol for concerts, my co-ed leagues, etc. next months goal is to buy no booze! okay, maybe only 1 time (it's inevitable that i will have something that requires me to contribute).

i also had to pay off my contacts and my glasses this month, which lowered the amount i could save for the debt. they were necessary purchases so i felt okay about it, but i would have liked more of that money to help me on the under $10k loan challenge!

i had to invent little challenges for myself. little milestones. so my first one is to get my student loan under $10,000. which, coincidentally was my goal for the entire year on my january 1 life goal list. i always write down a list of about 20 things i would like to accomplish in that year, and getting my loans below $10k was on there. i hoped to be able to do it by december 2011. man, january me was so naive. :)

maybe i will buy that mk watch i've been eyeballing for 2 years with the gift certificates i've been saving when i get below $10k!! now wouldn't that be somethin!

i need to rein in my grocery bills too. i have caught myself using that as my shopping fix. i've always enjoyed going to the grocery (especially wholefoods and alfalfas) but it's gotten worse....now i meander around, throw things in the cart i don't need (or even know how to cook), and end up wasting food because i got caught up in buying fresh produce...

i also fell apart a bit at the end of month. i thought i'd budgeted gas and groceries correctly, but didnt. so i will start july with a little to pay on the credit card. annoying. i learned this month, though, that i need to not so much budget groceries and gas. just buy what i need to...without budgets. dont get me wrong, i have numbers in mind, but if i spend a little more than i meant to i can't let it throw me off. it's like a bad diet mentality, 'i ate 1 brownie so i already messed up...might as well have 4 more.' so from here on out i am going to pay the extra debt payment at the END of the month, instead of on payday.
goals for july: less booze, generic grocery shopping, and get below $10k on the good ol' student loan.

total debt down to date: $5,058.61
two months down, twenty-two to go.
xoxo ashleycolean

MONTH ONE!!!

my first month if o-o-o-over! drumroll please! buuuuuuuuuuuuuurrrruuuuuuuuuuuuddddddddddrrrrddddddd.....

in total this month i paid down $1,950.52 dollars on my debt!!
thats right!!! $1,950.52!!!



pictures c/o weheartit

 
i paid off my only credit card with a balance-a total of $812.57.
i paid $360.00 on my v-dub.
and, for the kicker, i paid $777.95 on my damn student loans.

i'm feeling SUPER empowered and happy with how i did the first month!!

 may 'wants' quickly turned into 'not a need' spending. i didn't really 'want' to park at the airport, or repair my jeans, but alas, i also didn't have to...so, it counts here. i wrote it here for my first month because i was afraid i wouldn't be honest with myself. but i was, so i don't know if i'll post this each month. it is crazy pants how fast it goes.

$200.00 balance for may 'wants'
$24.95 re tipped my leather heels
$9.75 wine for dinner with a friend-i know. cut me some slack i'm still new at this.
$10.00 repaired anthropologie dress
$10.00 repaired jean zipper
$18.00 airport parking for mother's day trip
$2.50 fee to use flight points for a wedding in kansas city
$7.56 caved (popcorn and diet coke for lunch)
$10.00 margaritas with friends (luckily i have generous friends)
$5.26 bagel (post margarita night) for me and a friend-see...drinking ruins plans!
$1.02 card for a babyshower
$38.38 night out that i didn't plan on
$3.75 parking (note to self: LODO meters go until 10pm)
$40.00 tips for hair and massage on a groupon i bought forever ago
$2.09 remainder due on 2 scarves i bought with a gift cert to lovely boutique
$8.00 movie-i couldn't help it.
$4.50 diet coke at the movie...okay-i could have helped that. my bad.
BALANCE $4.24

i feel like i could have been tighter on this budget...maybe i should chop it down to $100/month?!? ehh, we'll see. i'm no angel. but, i do feel like i could have easily cut $80.00 off of that. lesson learned.


if you're thinking of trying a couple money savers out for yourself, here are a couple big savers i had this month....

~never buy anything at the airport.
~clean out drawers of...whatever. i did beauty products and its already saving me. big.
~drink coffee at work. gotta be $50/month savings-at least.
~flirt. i did. with my hot eye doc and walked out with a years supply of eye drops. ah-thankyouuu.
~carpool. or, do like the real moochers and stay at your grandparents every once in a while. guilty.
~return or sell things in your closet that you haven't worn. i did. totaling $135.74!



image from lilco

 when i started the financial lockdown my total debt was $34,114.73, and now-my new ugly truth, is $32,285.68.

so there you have it kidlets. i'm beaming with pride. and i'm feeling $1,950.52 dollars richer.

dolla-dolla bills ya'll.
xoxo ashleycolean

flirting with the finish line

mmmm salty.

xoxo ashleycolean