About Me




7 Secrets You Will Not Want To Know About Student Loans

This post may contain affiliate links. Check out my Disclosure Policy for more information. Every since I wrote my post about blind student loan payments, I have been getting a ton of questions about student loans. It is crazy to me that student loan providers are allowed to do the things that they do. It’s absolutely terrible, which is why I think student loans are probably one of the worst debts. There are so many things people don’t know about student loans, but they let 18 year olds sign their lives away to them. It’s insane! And I was one of them that unknowingly did it! But, I want that to change, I want every person that gets a student loan to know the reality of them. They can be a tool to use to better your future, but they need to be taken out with education about what these debts really are. Student loans are unlike any other kind of loan, which can ruin people’s financial future. Related posts: 4 Steps to Decide If Refinancing Your Student Loans Is For You How Student Loans Impacted My Credit A Honest Review: Round Up To Zero How to Pay Off Debt on a […]

Why Tax Deductions Shouldn’t Change Your Debt Free Journey

This post may contain affiliate links. Check out my Disclosure Policy for more information. This time of year everyone is figuring out their taxes, filing their tax returns, making sure they get all of their tax deductions, and waiting on their tax refunds. It comes with this time of year. There is a huge personal preference to get a large refund or a small refund. I outlined why I plan to make myself get a smaller refund, but I understand why some people like a larger refund. Currently, I get a larger refund because when I originally did my paperwork at work, I had no idea what I was doing. If I’m being totally honest, I’ve just been too lazy to change it! I plan to change it when I get a new job though. A lot of times people get wrapped up in the tax deductions and it can be overwhelming. Lately I’ve been getting asked a lot about my debt free journey, especially by friends and family. Most of the comments I’m getting are surrounding my student loan tax deduction and not getting it when I pay off my student loans. I try really hard not to eye roll at […]

Why a Smaller Tax Refund is Better

This post may contain affiliate links. Check out my Disclosure Policy for more information. Tax season is upon us, friends! Being a personal finance nerd, I love this time of year. I love getting my documents together and seeing where I am at in comparison to where I was at the end of the previous year. It’s awesome to see how I have progressed on my big money goals. Normally, I get a pretty large refund and it’s nice to get that big check to apply to debt, but the reality is that it just doesn’t make sense! The money you get in a tax refund check is just the money that the government took from you throughout the year. This is money that should have been in your back pocket throughout the year, it’s the money that you overpaid. However, you should make sure that you get some sort of tax refund each year, this way you don’t have to owe taxes. You should figure out what you need to claim in order to get a small tax refund. This will allow your paychecks to be larger throughout the year and you still won’t owe at tax time. There are a […]

When to Slow Down Debt Payments

When you’re paying off debt it can be difficult to slow down the process. I know for myself, I am so focused on paying off my debt that I sometimes need to be brought back to reality. It’s important to remember that a debt free journey is part of a bigger plan. For myself, my bigger plan is to be able to live a life I love without having to think about money. But that also means that sometimes I need to not focus so heavily on my debt free journey and think about the reality of life. When you’re so focused on paying off your debt and the life you will live after your debt is gone, this can be difficult. Sometimes, it’s important to slow down or stop extra debt payments all together. It depends on your life and what your goals are, but sometimes it needs to happen for what makes sense in the long term. 1. Unexpected life events would require you stopping extra debt payments. This can be a long list and really depends on what your income is. But, any unexpected events, like job loss, or medical issues, could mean slowing down or stopping […]