How I paid off my $19,494 Parent Plus Loan in less than 2 years!

Happy Threshold

Today is an amazing day for me – I paid off my very first Parent Plus loan!  For someone who, up until a couple of years ago, was completely ignorant about finances and swimming in consumer debt, this is an incredible feat. Gone!  Loan G – Boy Child, junior year $19,494 original loan amount 6.84% … Read more

August Debt Reduction Progress: $2,481.59

August Debt Reduction

Due to the unexpected 180-degree turn my life took a couple of months ago, I have not yet implemented my debt reduction plan to pay off $305,000 of in just 2 years.  However, even though my life got flipped, turned upside-down (you know you just sang that as you read it), I have managed to … Read more

Those Pesky 180’s

180 Degree Turn

My life has taken a 180-degree turn in the last two months.  Most of this year, my (second) husband and I have been struggling.  We haven’t been on the same page about anything, and my way of dealing with it was to sweep it under the rug, and his was to let his frustration build … Read more

February Spending

I literally just this moment decided to post a February spend report.  Why?  Why not! I love the first of the month because it’s the day I get to pat myself on the back for last month’s spending and create a new budget for this month.  I use Mint.com (FREE!), which won’t let me pre-populate budgets.  It’s … Read more

Dave Ramsey vs. Mr. Money Mustache

DR vs MMM

Since I’ve started adulting (which was last week) and educating myself about personal finance, I have settled mainly on two schools of thought that are shaping my financial destiny.  They are very different (actually, not at all alike), however I find them both informational and entertaining.  The first site I found by Googling “how to … Read more

7 Stupid Things I Used to Say About Money

I Can't Believe I Said That

Wow, has my mentality about money changed over the last few years.  Here are 7 gems that I used to say all the time that make me cringe: “Don’t worry about it; I charged it” “Whatever it is I bought as a favor for you, you don’t have to be in a hurry to pay … Read more

Step 2: Educate – Debt Payoff Techniques

Percent vs. Debt

Once you realize that you have a problem and you’ve figured out what it is (or multiple problems, if applicable), next begins the often daunting process of educating yourself on the options for fixing your shit. My most pressing problem was debt.  It was monstrous, and it was going to continue to grow for awhile.  I had … Read more

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