How To Create A Budget In 6 Easy Steps

If you want to manage your finances, you will need to create a budget. Creating a budget requires a lot of dedication, so you have to decide right now that you are going to be in this for the long haul.

A budget is a written or an electronic tool used as a guide to manage finances. Using a budget on a month-to-month basis makes the most sense, because your monthly income changes depending on the number of times you get paid. Continue reading “How To Create A Budget In 6 Easy Steps”

Dear College Graduate: The Minimum Payment Just Isn’t Enough

So, You’re A College Graduate Now, Huh?

Have you ever thought to yourself, “I’ll be making minimum payments toward my student loans for the rest of my lifeeeee!“?

Yup, so have I.

You graduate, find a job (if you are lucky), and pay down your student loan debt…forever.

That is how it’s supposed to be, isn’t it?


For me, I truly believed that this was the sure reality of a recent college graduate. Only because all throughout the course of my undergraduate studies, debt was perceived as being normal by most everyone around me.

Continue reading “Dear College Graduate: The Minimum Payment Just Isn’t Enough”

Are You Ready to Admit That You Are Actually Broke?

Before I begin, I would like to say that this post is in no way meant to beat you down or come off as being insensitive toward your current financial situation. I would much rather you read this post as if it were written by a close friend who cares deeply about your financial well being. I am saying this because it seems that anytime money is discussed, the mood in the room suddenly shifts, in a negative way.  Seriously, once money is mentioned, everyone quickly grabs their “I’m not broke” mask, puts it on, and pretends like they could care less about the topic. Continue reading “Are You Ready to Admit That You Are Actually Broke?”

5 Ideas That Will Positively Impact Your Debt Free Journey

Having to make a monthly payment on anything can be sooo draining. It feels like you are giving money away to someone you do not know, for something that is supposedly yours. Wouldn’t you rather own your belongings without the worry of having to submit another payment?! Allow me to help you make that happen! Making extra cash is the obvious solution to this problem. I am going to share with you some ideas (you can call them side hustles, if you’d like) that will help you earn extra money that you can apply to your debt.  Continue reading “5 Ideas That Will Positively Impact Your Debt Free Journey”

Investing In Your Child’s College Education

Earning a college degree has often been looked at as an expense, at least that’s the way I saw it. Recently, I was listening to a podcast and a caller had asked for advice on investing in their child’s college education. I thought to myself, “Oh. My. Gosh. I should consider this!!”. Could there possibly be a better way to prepare your child for college free of debt!? I think not. Ensuring the financial stability of my child is an obvious goal of mine. One of the best ways to get her on the right track is to invest in her college education. That way she won’t have to face the hassle of taking out loans and repaying the debt later. 

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How We Paid Off $40,075.03 in 21 Months!

In May of 2015, J just finished his Bachelors degree in Business Systems Analysis and in six short months, we received his first student loan bill. We were shocked to see that we now had over $60,000 in student loan debt between the two of us. Altogether, our total debt was over $70,000.00, YUCK! Through hard work, living frugally, extreme saving, and some serious determination, together we were able to pay off a total of $40.075.03 in student loan, medical, and car loan debt, and it only took us 21 months!

Continue reading “How We Paid Off $40,075.03 in 21 Months!”