When I was paying off my student loans I was juggling about 10-12 bills a month. The only way to ensure I was making payments on time was with the help of a bill tracker spreadsheet I created in Excel. Anytime I paid a bill, I would open my laptop and update the spreadsheet. It helped me make sure all
What is a Sinking Fund? A sinking fund is a way to save money for a specific purpose (usually an annual expense), by setting aside a certain amount of money each month. The purpose of a sinking fund is to avoid having to come up with large amounts of money for an expense that you can expect every year, e.g.
Our 6 month emergency fund is finally fully funded! Almost a year after becoming debt free, we’ve finally completed baby step 3! If you follow the Dave Ramsey plan then you’re already familiar with this step which is to save 3-6 months of living expenses in an emergency fund. Because I’d rather be on the safe side, we decided to
As we’re nearing the end of 2018, I’ve put together a list of goals I want to reach by the end of the year. Although some of these are pretty achievable, others are going to require some planning and a lot of determination.
If you’re just starting (or are thinking of starting) your debt payoff journey, you might be wondering in what order you should be paying off your loans. The two most common methods in determining that order are called Snowball and Avalanche. I used a combination of both when I was paying off debt and recommend that you choose whatever method
If you’re looking for more affordable gift ideas, I’ve gathered some items that would make great gifts all for under $30!
This year I’ve decided to do most of my Christmas shopping online and save myself a few stressful shopping trips. As I browsed through the web, I came across some pretty cool & affordable options I thought I would share with you guys!
Four years after being introduced to The Total Money Makeover, I can officially say……. We’re Debt Free!!!! We paid off my last student loan on Friday and I couldn’t be more relieved. It’s been such a long ride with a lot of sacrifices and hard work. I started the Dave Ramsey plan before I met my husband on October