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5 Single Bloggers Who Paid off Massive Amounts of Debt

When I was single I was convinced there was no way I could tackle my debt on my own. Heck, I didn't even think I could do it when I got married. But my husband and I have since paid off $78,000 of debt and we did it in less than two years. I hear all the time about people, women especially, who think they can't pay off their debt for one reason or another... or ten reasons. I lived at home for 2 years after college under the guise that I was paying down my student loans but all…

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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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10 Free Activities

10 Free Activities For Couples Paying off Debt

When my fiance told me he wanted to pay off his student loan debt as fast as possible, my short answer was "NO." The little voice inside my head kept reminding me of all the things I'd miss out on if I couldn't spend money. It's not that I didn't want to pay off my student loans. In grad school, my plan was to have them paid off before I turned 30. But somewhere along the way the compounding interest and dinners out with friends paralyzed me into thinking it simply couldn't be done. So when I [finally] got on…

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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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We're Debt Free

We’re Debt Free + Saving with Spunk is 1!

Today is a special day y’all. Saving with Spunk is one-year-old! And it just so happens that we also became debt free last week! This journey has been so different than I anticipated. I mean, I guess I didn’t know what to expect going into it. I had nothing to compare it to. We were the first people we knew to go full throttle to become debt free. Two years ago today I was a month out from getting married. I knew this journey was coming and I was riding out my last few weeks of freedom with a little…

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Thoughts and Feelings on the Start of our Last Month in Debt

We are officially in our last month of being in student loan debt. I thought this month would never come, but here it is. How I’m feeling about being almost debt-free. I’m not good at writing about feelings. If I take the time to write something I want it to help people, not give them an inside look at what’s going on inside my brain. But I see a lot of posts about people “in debt” and “debt free” but not many about being “almost out of debt.” We're one month away from completing the journey of paying off $78,000…

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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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Cats Who Get It

13 Cats Who Totally Understand Your Debt Payoff Struggle

Ever think no one understands your debt payoff struggle? Everyone’s taking pictures of their fantastic lives and you’re over here dining on leftovers and tap water. I know your pain, you don’t put 60% of your income towards debt and get to experience the luxury of air conditioning in the summer or hotels when you’re out of town. I’m not the only one who understands you, cats do. Of course, they’re not real cats, real cats DGAF about anyone. These cat gifs though, are the symbol of our plight. I hope they comfort you and inspire you to keep going.…

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