“The average college textbook cost $105.” –EducationData.org College tuition is expensive and on top of tuition, college textbooks aren’t cheap. If you’re looking for ways to save on college textbooks, you are in the right place. Today I am going to share with you how I have been able to save HUNDREDS almost THOUSANDS of dollars on college textbooks. First […]
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“A goal without a plan is just a wish!” Antoine de Saint-Exupéry One way you can ensure you don’t go into debt this Christmas is by planning for Christmas NOW! It’s not too soon to start thinking about your Christmas budget and gift-giving list. Today I am going to share with you 6 things we are NOT doing financially this […]
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“Someone needs to hear your story!” Jeanetta Spencer I love reading stories about people’s journeys. I love finding someone that I can relate to. It makes it feel like I am able to accomplish the same exact goal. So that’s my mission today. I’m going to quickly sum up my debt-free journey with the hopes of inspiring someone to start […]
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“You have not because you ask not.” When was the last time you sat down and actually wrote out the things you wanted? If it’s been a while, I want to challenge you to write down 300 things you want on a piece of paper and be as detailed as possible. If you revisit your list in a year, you […]
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Frugal is not cheap. Many of us find it challenging to save money and to live frugally. Living frugally is definitely different from living cheaply. Frugal is not cheap. The educator in me had to create a Venn Diagram to explain the difference in being frugal and being cheap. Now that we know the difference between frugal and cheap, I […]
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There is a freedom that comes from knowing you have a financial cushion! Having an emergency fund allows us to turn a crisis into an inconvenience. Having a financial cushion provides a sense of peace. Today, I am sharing with you 5 W’s of Emergency Funds. Who needs an emergency fund? What is an emergency fund? Where should I keep […]
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Learn from the mistakes of others. Today’s blog post is dedicated to two types of people. Those who are new to their debt-free journey. And those who are in the middle of their journey and may feel stuck. I got you! I know how challenging this journey can be so I wanted to prepare you by sharing a few lessons […]
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“Getting out of debt is just a portion of obtaining financial freedom.” Before I get into why I took Financial Peace University (FPU), I want to share with you what FPU is. Financial Peace University is a nine-week course that teaches you how to protect your wealth, save, eliminate debt, invest, prepare for retirement, and ultimately how to live and […]
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“You spend less when you use cash.”-Dave Ramsey Prior to using cash, I would spend frivolously. I would swipe my card for any and everything. As long as my account didn’t hit zero, I kept swiping. I rarely used cash. Once I started to use cash, I became intentional with my spending. While being intentional with my spending, I quickly […]
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A tax return is money you loaned to the government interest free! It’s tax season and I know many of us are waiting to receive a deposit soon! I know I was itching to receive my tax return. But before you consider splurging and buying something you don’t need, I encourage you to make a plan for your tax […]
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