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Budget To Pay Off Debt

How To Improve Your Budget to Pay Off Debt

Making your first budget to pay off debt can be scary. It’s not as simple as assigning percentages because every person's finances are different. But the results are in and budgeting is a necessity to achieving your financial goals. Sure you can get by without a budget but you won't get ahead without one. My husband and I have been budgeting together since before we got married and it's set a foundation for us to be able to pay off over $64,000 over 18 months. There are a ton of methods, spreadsheets, printables, etc. to create a budget, but I…

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Budget Myths Debunked

Budgeting is a B Word – Budget Myths Debunked

Everyone I talk to about debt tells me “I know, I need to get on a budget.” In my head, I’m like “duh!?!” But the truth is, I remember what it’s like to be single on a 36K income staring 60K of debt in the face. It’s horrifying, overwhelming, and seemingly impossible. So I just ignored it. I let the interest pile up and said I just can’t do this. Flash forward two years and the budget is a vital part of my life. I am by no means a master budgeter and I’m always the one that ends up…

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November 2016 Budget

November 2016 Budget

I’m on a financial high going into November. It’s my favorite time of year; the weather is crisp, people are happier, and my favorite holiday, Black Friday, is right around the corner. I’m on cloud 9. And I have one more thing making my money-saving heart flutter (or palpitate, I can’t tell the difference lately.) My student loan is now 4 digits. I’m finally under 10 grand! I didn’t see this day coming anytime in my 20’s and it’s here. You guys, hard work and perseverance pay off! And I’m really excited to have you to share this moment with.…

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The No-Spend Challenge Guide

The No-Spend Challenge Guide Available on Amazon

The No-Spend Challenge Guide is Here! I’m humbled, proud, honored, and squealing with excitement to announce The No-Spend Challenge Guide is here and available on Kindle and Paperback on Amazon. Better yet it's only stinking $3.99!   We’ve all done No-Spend Challenges whether it’s out of necessity or to achieve our financial goals faster. I’ve read books on quitting spending for a year but until now there hasn’t been a comprehensive guide on how to do short challenges effectively. So I wanted to write that book.   Budgeting and money management are some of the hardest concepts for people to…

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Best Summer Ever

Countdown to Student Loan Freedom – 120 Days to go

We’re putting 59% of our total income toward achieving student loan freedom. Want to see the budget we’re using and how we’re spending the other 41%? You’re in luck. When I say we paid off $53,000 of student loan debt in a year people are flabbergasted. They think it’s awesome but they always have an excuse as to why they can’t do it. “My loans are three times as much as yours.” “I have a kid, I can’t work any extra hours.” “I literally can’t think about my loans, it gives me anxiety.” We don’t have lucrative jobs, we didn’t…

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Real Life Budget

December 2016 Budget

Are you ready for this? We paid $5,000 of our student loan debt in one month.   That’s crazy even for us! We were able to do this for two reasons: the budget and some discipline. UPDATE: As of August 31, 2017 Travis and I are STUDENT LOAN FREE! We paid off $77,646.54 in 23 months! We never have the perfect budget. In the 14 months we've been doing this we've always had to tweak here and there to make it work but paying off our student loans is the priority and that puts all spending into perspective. Over the last…

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My New Favorite Planner For my Money & my Life

Want a peek into my life? I am notorious for having a separate monthly and weekly calendar, notebook for to-do lists, meal planning, and grocery lists, and that’s just what’s at my bedside. I also have a scrap piece of paper with our debt pay off goals/progress and I am constantly scribbling on whatever I can get a pen on. The Struggle is Real And I’ve never been into big, beautiful, personalized planners. They sound nice, but with everything I’m trying to keep track of, I’d still need my scraps of paper to keep everything recorded. But when Lauren Greutman…

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October 2016 Budget

Today is our first anniversary! I remember thinking the day would never come and now it’s been a year. Crazy. Our first year has been pretty great. I only cried a few times and they were both on our honeymoon so I got it out of the way early. Related: 3 Habits for Blissful Money Management I started this blog last month to keep me motivated and help people who want to get out of debt. When I started I didn’t even know what financial freedom was or what it looked like. I want to help you discover that there’s…

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