About Me




Why Your Income Doesn’t Matter

This post may contain affiliate links. Check out my Disclosure Policy for more information. Most of the time, one of the first things people say when they are beginning to get their finances together is that they don’t make enough money. This just isn’t true. Your income really doesn’t matter when it really comes down to it. Of course, having a higher income does make things easier when it comes to reaching financial goals, but you can make a ton of money and have absolutely nothing to show for it. You hear it all the time, athletes making millions a year and are declaring bankruptcy. But, they had a high income? How could they possibly be bankrupt? It’s because they don’t know how to manage that income. They weren’t managing all their cash flow and sent it all out to stuff. No matter what your income is, if you aren’t managing your money, it doesn’t matter. Why your income doesn’t matter. If you can manage your money well, you can easily reach any financial goal you have for yourself. It may take longer on a lower income, but it can happen. The reality is that all it takes is proper management of […]

How to Get Ahead When You Can’t Afford Payments

This post may contain affiliate links. Check out my Disclosure Policy for more information. Recently in the news it was shared that 7 million Americans are 3 months behind on their car payments. Not surprisingly, the age group that was most represented were twenty somethings. They shared that it is most likely because this age group are struggling to afford their car payments with their student loans. I’ve been there. My payments were $2,000/month when I first graduated and I was only making about $3,000/month as a teacher with a master’s degree. And the only reason I was making this much was because I was in New Jersey, where cost of living is high. I couldn’t afford housing here, so I moved back home with my parents. I know this isn’t an option for everyone, but without this, there would have been no way of affording to live back then with that large of a payment. Without moving back home, I never would have made a significant dent in my student loans and lowered my payments to $1,100/month, which it is now after paying off $115k. As a twenty something, it is hard to manage money. No one teaches us this, unless […]

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 […]