I am a firm believer that you can do whatever you want in life. It just may take some hard work and determination. No wait, it definitely will take these two things! Whether you are wanting to be a stay at home parent or just avoid the morning commute, there are a ton of ways you can start making money from home right now. As a decade long stay at home mom I have found many side jobs and work from home opportunities to help pull in some extra cash. Now I am making over $2,000 per month working from home in my spare time and I’m doing something I absolutely love. On top of that, I set my own hours, have the freedom to travel and don’t even have to work some days! To learn how I’m doing it and how you can too keep reading on.
Trust me, I know that paying off debt can suck the life out of you. Even though sticking to a strict budget can feel super limiting sometimes, I have got 35 frugal beauty and fashion hacks to live by while you pay off debt. Most of these have become a part of my daily routine and are things I swear by. While I may not be an Instagram worthy beauty blogger, I have kind of nailed the whole beauty on a budget thing. So if you are smack dab in the middle of debt payoff but don’t totally want to give up your fashion, style or beauty, then you’re going to want to check these out.
Hi folks, I’m Renee and I am a recovering spend-a-holic. My husband Tom and I have paid off over $90,000 of debt in the last 7 years and I wish I could say there were major student loans in there, but there weren’t. We just sucked that much at managing our money. We downsized our house 3 years ago (check out the full story) and then we got seriously intentional about paying off our debt. Using the Dave Ramsey Debt Snowball we paid off $6,000 in 6 months. Now we are able to see the finish line of our debt that seems never ending and I wanted to share with you the total truth about how I really feel about debt payoff after 3 intentional years.
You know, after reading a ton of other people’s debt payoff stories I wondered to myself, “How much debt have we paid off?” After taking the time to calculate it all, I about had a heart attack. To even imagine that in 7 years we have paid off over $90,000 of debt really makes me feel…well…makes me feel like we wasted a ton of money! It’s hard not to think about how beneficial it would have been if we had saved all of this money instead. But, the past is gone and all we can do is learn from it right? Well, if you find yourself with a similar debt number, I want to share with you our exact plan of attack and how we paid off $90,000 of debt in 7 years using the Debt Snowball, plus a few other tips.
Do you ever find that some people are just more content being stuck in a hole because climbing out of it will require too much work? Getting out of debt is the perfect example. Being in debt can feel like being in a big, giant hole and the toughest part is, you put yourself there. It was probably super easy to dig the hole, but I think you should know getting out will be hard. It will be hard, but it will be worth it and it will remind you never to dig that hole again. Another worry people gravitate toward when paying off debt is that they won’t be able to because they only have one steady income. If this is a concern of yours, then make sure you keep reading about the crazy things we did to get out of debt while living on one income!
Today I have a guest post from Andrew…
Many more than half of all college students use student loans to pay for school. The average graduate, in fact, finishes school with tens of thousands in debt. A lot of students don’t truly understand how student loans work—or how that debt can affect everything from their credit to their career for years to come. Not understanding the position they’re putting themselves in with student loan debt can cause a number of problems later, so it’s important to be aware of the ramifications of taking out a student loan.