Tag: student

5 Dumb Things We Did With Our Student Loans All Posts / Saving Money / Student Loan Debt

*This post may contain affiliate links.

I have two main goals with this blog.  The first is to inspire those who have student loans or other forms of debt to live below their means so that they can pay off their debt as quickly as possible.

The second goal is to reach those who are currently in college or will be heading to college soon.  Many young people believe that attending college immediately after high school is the only path to success.  If their parents can’t afford to help them pay for college, they often think student loans are their only option.


We Bought a Tiny Car + Other Winter Updates All Posts / Life / More

*Disclosure: This post contains affiliate links.  I only promote products that I truly believe in.

Winter has arrived here in Minnesota…I spent 20 minutes digging my car out of the snow this morning and it’s going to be -4 for the high one day next week!  Brrr!  Hopefully most of you readers are enjoying somewhat less chilly weather.  How are you doing on your financial goals so far this season?  Share in the comments!


The 10 Best Career Lifestyle Blogs for Millennial Women All Posts / Making Money / Millennials

There are many negative stereotypes about millennials.  We’re often classified as lazy, entitled, and immature.  I don’t agree with these stereotypes.  Of course, there are a few millennials out there who fit these stereotypes, but there are more who don’t.

Many millennials are working their asses off, paying off debt, starting their own businesses, and building wealth.  Here are 10 inspiring career and lifestyle blogs for millennial women.  These incredible ladies are killing it!


5 Strange Things That Happen When You Blog About Personal Finance All Posts / Making Money / Side Hustles

I love blogging.  It’s interesting, rewarding, and often opens my mind to new and different perspectives that I hadn’t considered in the past.  I also enjoy feeling like I’m making a difference in other millennials’ lives.  Reading personal finance blogs inspired me to pay off my massive debt as quickly as possible and to start making better financial choices.  I hope to inspire others to make smarter choices too.


Month in Review: July 2016 All Posts / Life / More

Disclosure: This post contains affiliate links.  I only promote products that I truly believe in.

Frugal Successes

-I paid off my first “big” ($6,000+) student loan!  Now that I only have large loans left, the progress feels slow.  This can get a bit demotivating, so I’m excited that I finally paid off a big one – I know now that I can do it!  I had $418.62 left on the loan I paid off, and I also put $500 toward the next loan I’ll knock out – the current balance on that one is $7,232.

-This has been the summer of unexpected, unusual expenses. We had to dip into our emergency fund a couple times this month, which is never fun, but that’s why we have it!  Without it, we would end up relying on credit cards and digging ourselves further into debt.

Frugal Failures

-I accidentally left our freezer door slightly open and didn’t realize it for a couple days.  Everything in the freezer went bad.  Lesson learned!  I will definitely be extremely careful about this from now on.

-I’ve mentioned previously that I’ve been having a lot of pain in my neck lately, and I went to the chiropractor to find out what’s going on.  Thanks to years of bad habits (like spending too much time on my smartphone and laptop), my spine is curved forward in the neck area, which is called forward head posture (aka “text neck”).

Treating this issue is not going to be cheap.  If you’re constantly bent over your smartphone, please please please start spending less time on your phone.  “Text neck” is becoming increasingly common and it’s not fun – it’s incredibly painful, and it can lead to serious health problems if it’s left untreated.  Here are some ways to prevent or correct forward head posture.

Highlights of the Month

-I played giant outdoor Jenga for the first time at my nephew’s grad party.  My nephew just finished high school – it’s hard to believe that I have a nephew who is that old!  We look like we’re the same age. (My brothers are quite a bit older than I am).  This was the first time that all of the nieces and nephews met Herbie (our new puppy) and it was so much fun!

-I had a puppy play date with a few of my girlfriends, and Herbie met Max, Hank, and Luna (and some other dogs) at the dog park!

-I bought Financial Peace University for the hubby and myself.  We’ll be starting it in September and I’m so excited!

What I Read

I borrowed Smart Women Finish Rich from a friend, and it’s great so far!  Financial advisor David Bach (author of The Automatic Millionaire) walks readers through a nine-step program for spending wisely, establishing security, and aligning money with one’s values.  What I love most about this book is that it provides specific advice and actionable tips.

Bach mentions that we should never put all of our eggs in one basket and instead recommends that we put our “eggs” in three separate baskets: the security basket, the retirement basket, and the dream basket.

The book includes detailed information about how to choose between different retirement options and life insurance plans.  This info is particularly useful for millennials who may not have started investing yet and might not be familiar with life insurance options.

What I Watched

I watched Limitless and finished the last season of Scandal.  Limitless was okay but it wasn’t my favorite, and Scandal is as excellent as always.  The plot is a bit ridiculous, but it’s fun and addicting.

In Case You Missed It

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Which Debt Payoff Method is Better – The Snowball or The Avalanche? All Posts / Saving Money / Student Loan Debt

If you don’t know who Dave Ramsey is, you might not be familiar with the concept of the “debt snowball.”  So, what the heck does that even mean?

A “debt snowball” means paying off your smallest debts first, while making the minimum payments on your larger debts.  Once the smallest debt is paid off, you then move on to the next smallest debt, and proceed with this process until all of your debts are paid off.


Month in Review: June 2016 All Posts / Life / More

Disclosure: This post contains affiliate links.

Overall, June was an AMAZING month!  It’s been hectic and crazy, but it has also been SO worth it.  Two wonderful things happened: this blog earned triple digits in income for the first time, and the hubby and I adopted a sweet little pug puppy named Herbie.  Here’s a breakdown of our successes, failures, and highlights for the month of June!


How Much of Personal Finance is Luck? All Posts / Frugal Living / Saving Money

I’m going to say something that might irritate some personal finance bloggers:

A sizable portion of your net worth is based on luck. 

Some of the best financial “decisions” I’ve made in my life were simply a matter of being in the right place at the right time.  And some of the worst “choices” I’ve seen others make were due, at least in part, to some truly horrible luck.


3 Reasons to Find an Online Side Hustle All Posts / Making Money / Side Hustles

*Disclosure: This guest post is sponsored by Studypool.

For those lucky enough to make all their ends and luxuries meet with no problem or worry, congratulations! The rest of us regular folks can attest to at least one occasion in our lives where we have been low on money or left with an unfulfilled desire to splurge on a whim.

Whatever the reason, a shortage in our finances can lead to some stressful times, and we all know stress is bad for us. Luckily enough, there are backup plans for our times in crisis.

Establishing a plan B might sound easy, but how many people could actually manage to work two jobs? Many of us have a family to support during our time at home, and others juggle a full-time job and education.

Schedules have no gaps for breathing, at times, and not many fields are open to allow some flexibility to their potential employees. Faced with these (and other) constraints, more and more people are choosing to make an extra income online. There are many advantages to choosing an internet-based job – here are the three biggest perks.

Choose Your Comfort Zone

We can all relate to the idea of being uncomfortable in one’s work space: sometimes our offices are too small, too loud or too white on the walls. Concentrating under these conditions can be tough for most, even if, with time, we can grow accustomed to our grievances. If you land an online gig, though, this would become one of your least concerns.

In order to work from the web, all you need is a strong internet connection and a computer. It doesn’t matter if you choose to buckle down into your living room’s couch, local coffee shop’s bench or grandma’s lovely den – if you can meet these two requirements you can claim that spot as your own, personal work space.

Set Your Own Schedule

Different people have different time availability throughout their day. Some are lucky enough to count on both hands their amount of free time. Others are barely even capable of catching a breath before running out on an errand.

Working online allows you to get a job that accommodates your schedule instead of asking you to accommodate yours. This way, you can make your hours work in a way that still lets you have time for yourself!

Find Your Passion

There are many talented people who are not putting their skills to work for them, but with the help of the Internet, they could do just that. Among the diverse amount of jobs that can be found online, many are directed towards specific skill sets.

Those can range from the creative – writing and designing – to the analytic – providing accounting or tutoring services. Certain sites have even specialized in some of these areas. For example:

TextBroker  – TextBroker will pay for your writing by the word. The amount paid out varies, depending on the skill level you are assigned at the beginning. (Don’t worry, you can always improve your score based on your performance once you are already registered.)

Studypool  – Studypool is a website that offers tutoring services to students with intellectual needs. Here, you can register as a tutor and share your knowledge with others. You will, of course, be rewarded for your services.

TopTal – TopTal hires freelance programmers to fulfill their client’s software needs. If you are skillful with a computer and have a knack for programming, this will definitely be the site for you. 

There are also websites that have no restrictions on the type of services they provide. For the multi-talented, sites like UpWork or Elance offers an opportunity of employment in many different fields, from within the same site. Freelancing with them will allow you to pick and choose which services you can provide to the world.

A Final Note

Whatever your reasons for choosing an online gig and whichever the site you settle into, know that the freedom that comes with the job market will not disappoint you. Though, if by all means this is not enough to convince you to give it a try, you could always think of that sweet extra cash.

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