financial setbacks

FINANCIAL SET BACKS AND GRATITUDE

  A few days after Christmas, we were driving to meet up with some friends. The highway looked nice and dry, until we got to one section, just about to go over a bridge, and Danny said “is the ground wet?” It was black ice. Just as he finished saying those words, words that played …

budget, debt, Motherhood

5 WAYS TO GET YOUR FAMILY ON BOARD WITH A BUDGET

1. Review your total debt with them. Sit down and open up the accounts where you have debt. Show them how much interest has accrued. View all of the details that you can under your account. Depending on your debt load, this ought to illicit enough panic to convince your family to never stray from …

increase income

6 Easy Steps to Become a Mystery Shopper

Mystery shopping. Have you heard of it? We have a several little side hustles that we do to put extra money each month towards our student loans. One of my favorite things lately has been mystery shopping. AKA getting paid to shop. Ba da da da da I’m lovin it! There are businesses that will pay you (and …

student loans

WHY WE’RE NOT USING DAVE RAMSEY’S “SNOWBALL APPROACH” TO PAY OFF OUR STUDENT LOAN DEBT

Today we hit another milestone. My undergraduate student loans are officially GONE. We started out paying off our loans thinking we would use Dave Ramsey’s snowball approach. If you haven’t heard of this approach, it is certainly worth reading about it in his book, The Total Money Makeover. THE DEBT SNOWBALL APPROACH: Basically, the idea is that …

budget, debt repayment, student loans

HOW TO STAY DEDICATED TO PAYING OFF YOUR STUDENT LOANS

This week we made our very first student loan payment! It was an exciting milestone. It means a few things: 1) I (Amber) am not in school anymore, 2) I (Amber) have a job (and thus can make a payment), and 3) We have officially begun our journey getting these suckers paid off. I knew that …