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Student Loan Forgiveness

How Legit is Student Loan Forgiveness?

Everyone and their sister are on some kind of special payment plan for their student loans. But some people get so overwhelmed with the options they just don't bother with them. With all the talk about student loans, debt, and wealth building I'd be remiss not answer the question: How Legit is Student Loan Forgiveness? When we made the final payment on my $51,000 federal student loan (Which ballooned to almost $60K with interest.) Pressing that button (actually those three buttons) was a surreal experience. In full disclosure, we paid off almost $78K of car and student loan debt on our…

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Think Like A Millionaire

How to Think Like a Millionaire (So You Can be One!)

I just finished Keith Cameron Smith’s book The Top 10 Distinctions Between Millionaires and the Middle Class. It blew my mind to learn how deep some of these traditional money mindsets are ingrained in us, and how constrictive they are! 10 Distinctions is an amazing book that everyone who wants to be successful with money should read multiple times. It’s a short, easy read, that gets to the point and makes you reconsider the assumptions you’ve had about money, at least it did for me. Without giving too much away, here are the points and what I learned from reading the book. 10)…

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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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How to Lift the Weight of a Heavy Debt Load

Despite our best intentions, personal debt sometimes grows beyond comfortable levels. Unexpected expenses, holiday shopping, a family vacation, and other spending obligations can cause financial imbalance, calling for changes to the way you manage your household finances. If runaway debt has you looking for a way out, restoring financial stability starts with your commitment to smarter spending and a balanced budget. With discipline and minor lifestyle changes, your debt will start shrinking, but don't expect it to disappear overnight. It took time growing card balances and accumulating your debt load, so a slow and steady approach will turn things around.…

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Free Printable Thermometer to Track Debt Payoff!

When we started paying our debt off there were a bunch of things I could say about how it sucked. But somewhere along the timeline of the last 12 months, I changed my mind. I used to complain about wanting to take a vacation (specifically a cruise) and not wanting to cook at home every night. I even had to unfollow friends on Instagram because watching their adventures was making me miserable. I don't know when it happened but I noticed it on my anniversary weekend. Everyone asked me what we were going to do for our first anniversary and I…

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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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Secondhand Clothes

Buy Clothes, Save The World!

Get ready to feel really good about yourself. I know you’re concerned about your carbon and slavery footprint (You are, right? Good.) but just don’t have the time, energy, and resources to buy locally sourced and stitched clothes to cover your body. It’s hard enough to remember which produce to buy organic, then we have to figure out which blouses are organic cotton? The struggle is real. But you know what’s also real? We consume 80 billion pieces of new clothing every year.   Fast fashion has made design turnover faster than a server at Chili’s. And it comes at…

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