The journey has been long and the result rewarding. Yes, you read the title correctly, folks. As of February 24, 2021 I can officially say that I am debt free! I started my debt free journey a while ago, but it wasn't until last year that I buckled down and came up with a solid... Continue Reading →
Looking back on January 2020 versus January 2021, there are very unique differences. For starters, we were not in a pandemic in January 2020. At that time my debt free journey was serious but not as intense as it currently is. Last year I was standing in a pile of debt valued at over $30,000.... Continue Reading →
What a crazy month it has been! December was anticipated to be quite different from the rest of the year so I am pleased to report that my budget is still intact. Even with the holidays I was able to pay down $3,000 on the student loans! Total Balance: $7,609.29 Last month I talked about... Continue Reading →
This month was one of those months where spending was higher than usual. My budget allows for spending, but I do not usually spend the maximum amount. With friends visiting, holiday preparations, and work trips, I was able to pay down an additional $2,900 on my student loans. Actually, that was the plan. This month... Continue Reading →
This month was really a test of how my budget and behavior worked together to keep the momentum going. October started a new Fiscal Year and something happened with my military orders that resulted in a lapse of pay. No worries. I was back-paid in the middle of the month and it was like nothing... Continue Reading →
In keeping with my vision for this series, here is another real-time update. I challenged myself to share this journey in real time because it's easier to talk about success after the journey is over. It is often more difficult to talk about a journey as it is happening. Commence the update. This month I... Continue Reading →
Feeling like you could have done a better job juggling finances before COVID-19? Same. I have learned a lot of lessons along the way, but one big lesson was commitment. As IÂ mentioned in a previous post, my commitment to becoming debt free was off and on. The knowledge was in my brain, but I still... Continue Reading →
According to Merriam-Webster, the definition of debt is "a state of being under obligation to pay or repay someone or something in return for something received : a state of owing". From Skittles to flour, from dollars to time, we have all experienced a form of indebtedness. One time I owed a buddy $10 and forgot about... Continue Reading →
