I’m Jen, and I’m passionate about helping fellow millennials to make smarter financial choices.
I have a bachelor’s degree in psychology and a master’s degree in HR from an expensive business school. I had naively believed that a master’s degree would be a golden ticket to an amazing career. I was wrong. After completing grad school in 2013, I found myself underemployed and buried in $75,000 of student loan debt.
My first “real” job paid so little that nearly 50% of my income was going toward making the minimum payments on my student loans. I didn’t know what to do. I worried about my debt constantly. I felt hopeless and trapped – I worried that I’d be buried in debt for the rest of my life.
A wise friend lent me a copy of Dave Ramsey’s The Total Money Makeover, and I was hooked. Shortly after that, I married my college sweetheart and we came up with a plan to pay off our combined $117,000 of student loan debt in just three years – using Dave’s debt snowball approach.
We realized that if we wanted to get out of debt ASAP, we couldn’t do what “normal” 20-somethings do (like taking on an expensive mortgage, buying brand-new cars, and starting a family) – we would have to live differently. As Dave Ramsey says “Live like no one else now so you can live like no one else later.”
What does this look like?
Small house. Small dog. Small car.
We don’t have the small house yet (we’re currently renting a room from my parents while we pay off our loans), but we will in a few years. It won’t be an actual tiny home, but it’ll be much smaller than the $200k+ home we had originally planned to buy.
The small dog really has nothing to do with our “get out of debt” plan, but our pug puppy is adorable, so I had to include a picture of him!
When I’m not working, blogging, or hanging out with the hubby and our pug, I enjoy yoga, long walks, listening to podcasts, having board game nights with friends, and binge watching new shows on Netflix.
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Not sure where to start?
The first step to getting your financial life together is to create a budget. Download my free guide to setting up your budget (which includes a printable budgeting worksheet!) and get started on your financial goals today.