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FREQUENTLY ASKED QUESTIONS

How did you get into $600k of student loan debt? Amber had $3500 in student loans from her undergraduate degree, and then tacked on another $45,000 for attending law school. Danny earned his Master’s degree for $60,000 and his dental school degree for close to $400,000. All of that plus interest rates as high as …

frugal living, Holidays

CHEAP OR FREE THINGS I CAN GIVE THIS CHRISTMAS

This year, I was having a hard time getting into the Christmas spirit. Maybe its because we didn’t spend money on a Christmas tree. Maybe its because we are keeping presents to a minimum around here. Maybe its because I’ve been distracted with studying for the bar. Who knows. So, I decided to take matters …

debt, finances, Fitness

30 DAY FITNESS AND FINANCE CHALLENGE

Hey Red-two-greeners! January to me usually means two things– food hangover and financial hangover. All of the gifting and treat eating and workout missing and holiday shopping seems to catch up with me around then. So, at the beginning of next year, we will be hosting a fitness and finances challenge. As we have become …

frugal living, Holidays

GET PAID FOR CHRISTMAS SHOPPING

Hooray its Cyberweek! There are so many good deals going on it is hard to know where to start. This year, we have limited our Christmas budget to $100 for the three of us. In other words, $33.33 person. $33 sure doesn’t go far these days so one thing we have been doing throughout the …

budget, DIY, Holidays

25 CHEAP OR FREE CHRISTMAS ACTIVITIES

The Christmas season can be expensive. And I mean like, really expensive. There are so many gatherings and parties and people to shop for, places to go, and things to see. But do we really have to overspend to have a merry Christmas? This year, I am saying NO. No to the overspending, no to …

budget, debt, finances

HOW TO CREATE A BUDGET THAT ACTUALLY WORKS

Most of my life, my philosophy on creating my budget has been, “don’t spend money, ever.” Or, to put it more accurately, “always try to spend the least amount of money possible on anything.” Think this Saturday Night Live Skit with Steve Martin and Amy Poehler: There are problems with my former theory. We simply …

Income Based Repayment, President Trump, Public Service Loan Forgiveness, student loans

President Trump’s Impact on Our Student Loans

The video version for my audio/visual friends: The wordy version for my friends reading this at work, trying not to get caught:  This election seemed to really divide people into two groups: 1) people who hate Donald Trump and 2) people who hate Hillary Clinton more than the people who hate Donald Trump. There is …

debt repayment, repaymet plan, student loans

OUR STUDENT LOAN REPAYMENT PLAN

We are literally saving hundreds of thousands of dollars on our student loans. And it is actually easier than you might think. OUR STUDENT LOAN REPAYMENT PLAN: The video version:  The quick version: STEP ONE: Forego our grace period and sign up for REPAYE. STEP TWO: Start making student loan payments immediately. STEP THREE: Refinance with a private …