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A Honest Review: Round Up To Zero

This post may contain affiliate links. Check out my Disclosure Policy for more information. Student loans are something that most people have to deal with directly, or know someone close to them that is dealing with them. Without a solid plan, student loans can seem daunting and overwhelming. I know I felt like I was drowning when I faced my $200k in student loans. But, with a solid plan I managed to pay off $105k in 3 years. Luckily there are so much tools out there now that is encouraging student loan plans that allow you to get out of debt faster. One of those tools that I have recently found is Round Up To Zero, which allows you to round up your purchases to the nearest dollar and then make a student loan payment with the money. The company is pretty awesome and is made up of people that have dealt with student loans. They created this platform because they wanted to do something to help other people get out of student loan debt. How Round Up To Zero Works After you create your account, you’ll connect your bank accounts and student loan accounts to the platform. Basically how […]

What to Prioritize: Debt Payoff or Saving?

This post may contain affiliate links. Check out my Disclosure Policy for more information. This is a huge conversation in the personal finance world and one that really has to be personal when it comes down to it. If you’re a Dave Ramsey follower, then you know what the answer would be. But, if you’re someone that has made your own path navigating your finances, then it can take a bit more thought. I personally come from a view of creating long term goals and then short term goals to reach those goals. I know for me, following the baby steps just won’t get me to my long term goals. Not as fast as I’d hope anyway. My end goal is to reach FIRE, not necessarily to retire, but to have the freedom to do whatever work I want, regardless of pay. Right now I’m stuck at my job solely because of my debt and grants I received from my undergrad and grad studies. These are the steps I followed in order to create a plan for myself in regards to paying off debt or saving. 1. Create long term goals. Think about big picture, where do you want to […]

How to Budget on a Variable Income

Utilizing a budget is something that can make your everyday finances much more manageable and allows you to see exactly where your money is going. When a budget isn’t being used, money “disappears” without you knowing it. This ultimately can lead you down a path of overspending. Everyone’s situation is different, so everyone’s budget is going to look different. When it comes to budgeting, you need to find a way that works for you. This takes time and I promise the time you spend finding a way that works is totally worth it. If you try to use a method and you despise spending time working on it, then it probably isn’t a good method for you. Some people have extremely extensive budgets that they spend time making pretty and Instagram worthy. I’m just not that girl! I love my simple Google sheets and Mint app used together to make my finances work. Everyone’s budget is going to look different because everyone’s situation is very different. People are paid in so many different ways and most 20-somethings no longer have one single job with a salary, but more of a variable income. The norm is switching to having more than […]

The Habits You Should Continue to Remain Debt Free

This is a guest post written by Good Nelly, founder of My Way Of Viewing, check her out for tips on all things personal finance. Paid off debts? What habits should you continue to remain debt free? It requires no mention that life without debt is what we all want to achieve. No one of us want to be in debt. There are so many things to do in life than wasting your precious time worrying about how to pay off debt. But, what happens when you pay off all your debt… Do you go back to your old habits and routine which led you to debt? No! On the contrary, when you have finally been successful of getting out debt, don’t leave any stone unturned to put debt away from your life. Few debts you should always avoid are credit card debt, payday loan debt, personal loan debt, and so on. However, you can take out a mortgage or an auto loan but make sure you manage them efficiently. Here are a few habits which you should continue or develop to keep debts at bay. Revisit your budget and make modifications Instead of thinking ‘budget’ a thing that existed [...]