Getting Out of Debt: Where to Begin

By fall of 2013, I knew I had to make a drastic change. My spending habits had spiraled out of control in the wake of my mom’s death, leaving me reeling with grief and more than $5,000 in consumer credit card debt. My student loans sat in forbearance accruing interest while I watched as the…

When a Labor of Love Becomes Just a Labor

As April draws to a close, I can’t help but think… here we are in the fourth month of the year, and I have blogged exactly one time. What happened? Or rather I should ask, what continues to happen, because this is a repeated incident if my previous false starts at blogging are any indication….

For Big Change, Start Small

You might not know it by looking at me, but four years ago, my life was very different from the one I live today. I owed $5,000 to my credit card—the result of a lifetime of poor spending habits that spiraled out of control after my mom passed away—$15,000 to a car loan, and $34,000…

The No Spend Year Progress Report

Well, folks, this is it. We’re officially 4 weeks in to our No Spend Year, and I am struggling a bit at the moment. I’ll get to why shortly, but for now, let me start with the good news. We are both motivated by the progress we’ve made. While we began the “No Spend Year”…

Two Weeks In

It has officially been two weeks since we started the No Spend Year, and it’s about time I give you an update on our progress. I’m happy to report that we have stuck to our goals with no miscellaneous spending outside of our budget. Husband and I each allow ourselves $80 per paycheck (or $40 per week)…

The Road to Financial Freedom

There is something about the new year, with all of the promise it holds. It’s a fresh start; a chance to make your life over. To completely reinvent yourself if you so desire. And that is exactly what I plan to do each January 1st. This year marks the next leg of my journey out of…

It’s Called Consumerism Because It Consumes You

At last, my friends, the resolve to pull myself out of the pit of debt I created has finally come to fruition. But as I take a moment to appreciate this hard-won victory against my credit card and spending habits, I know it is only the beginning of a longer life journey. True, eight months…

Change Your Life, One Day at a Time

To preface this, I should have started this blog a long time ago. I wrote my first post with the intention to start a blog in 2014. Seven months later, and I am finally picking up where I left off. It seems only fitting that I write about how much has changed over the last year,…