Posts having to do with credit card, student loan and any other consumer or personal debt. Documentation and stories related to our debt payoff journey. Learning how to get out of debt and recover from credit issues.

For Love and Money – Talking Finances with Your Partner

For Richer, For Poorer

Ah, love. Exciting and new.

So many possibilities. So much chemistry. The whirlwind romance, plans for the future.
Cohabiting, vows, babies — and no, it doesn’t have to be in that order (or at all).

But then there’s the bank account.

Do you have one, or maybe two? Does your partner have one? Should you combine them?
And before you even think about doing anything jointly, have you had that crucial conversation about money?

It’s so easy to fall in love, but why is it so hard to have a heart-to-heart with your amour about finances?


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How to Stay Focused to Pay Off Debt

Staying Motivated to Pay Off Debt

This update won’t be nearly as interesting, controversial or fun as my last debt update was. But when you pay off debt, there are peaks and valleys. High points and low points.

This progress report floats along somewhere in the middle.

There were no windfalls, tax refunds or bonuses.
No over the top expenses, medical or vet bills (thank goodness!)
And no huge progress made in terms of debt payoff — unfortunately.

The last two months were kind of ho-hum, business as usual.
But at least we were able to keep on truckin’.

Sometimes moving forward is the best sort of progress you can hope for.

So let’s get down to it —

Where our debt payoff strategy wound up over these past two months.

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5 Reasons Why I Shouldn’t Be Your Financial Role Model

5 Reasons Why I’m Not [really] a Personal Finance Blogger …

… And should NOT be your financial role model


Top 5 Reasons Why I'm Not a Personal Finance Blogger. Are there requirements to being considered a personal finance blogger? Do you need to actually be successful with money in order to write about it?

Full disclosure.

This whole beginner blogging thing has been a struggle.

You start out all wide-eyed and pumped-up, like — “Oh, I have so much to say, just try and stop me! I’m going to slay the blogging world with all of my intense thoughts and fresh perspectives on things.”

You pick a topic to write about — and you’re all gung-ho, ready to make a difference.

But then something happens, maybe six months into it, and you hit the proverbial wall.

You begin to question yourself. Your writing skills, your creativity, your topic of choice, your motivation.

Been there, done that?

Well for me, that time is right now.

So let me just say what I’m experiencing is not quite blogger burnout. There’s no way I should even be close to that point — because I haven’t blogged nearly enough.

Before you burn out, you at least need to have a fire started.

A kindling, a spark, or at least a few smoke spirals.

Right now, what I have the most of are — questions.

  • Should I be blogging about personal finance?
  • What can I offer to other people, when I’m such a financial screw-up?
  • Did I pick the wrong topic — maybe I’d be better off writing about something else
  • Is sticking to one topic as important as everyone says it is?

Let’s see if my logical mind can work this one out — or at least make me lean in one direction or the other.

Here are my 5 arguments / explanations as to why I’m not a personal finance blogger —

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How to Start Crushing Credit – 6 Month Debt Update

A 6 month debt update on this financial repayment journey. How we survived the holidays without buying gifts, ringing in the new year on a budget, credit card payments and other unexpected expenses. Progress made, a few steps backward, and a new financial perspective for the future (including an apology.)


Debt Update – 6 Months into Repayment

Well hello there — Fancy meeting you here, on my Debt Update page.

What have I been up to? Well, as you might have noticed, my last Debt progress report was quite some time ago.

Yup. The ball was essentially dropped. Several of them, actually.

While I’ve been floundering around in non-blogging land, the rest of the world has been turning.

Time has passed me by while I’ve been Pinning, Tweeting, Facebooking (is that a verb?), and doing other less-than-strategic activities in order to avoid actual writing.

But then a sweet and wonderful person did something to shake me out of my blogging coma —

She asked me for an update.

It was as simple as that.

I’m documenting my financial journey so that others might learn from it —

  • How to pay off debt
  • What’s working, what isn’t
  • How to make extra money to pay off bills
  • And how to make everyday life a little more enjoyable

And – shocker of all shockers – someone actually wants to read it. (Isn’t that the point??) So why in the world I’m not openly providing this information is entirely beyond my realm of knowledge.

Talk about being one’s own worst enemy — silly, rabbit.

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A Journey to Get out of Debt

Dealing with Credit Card Debt

Paying off credit card debt - Progress made in month two of my debt payment journey. How to get out of debt and prioritize finances. What tools to help keep track of your outstanding debt so you can pay it off quicker.

Here we go — Round Two of this Credit Card Debt Repayment Journey —

Last month I started documenting my progress toward paying off the credit card debt we’ve accumulated over the past couple of years.

The point was to understand exactly where our debt is, and gain structure around what we can pay off each month.

While it hasn’t been an exact science, at least it has been a starting point. And then there’s the whole accountability thing.

If I’m putting this all out there for the world to see (albeit anonymously), at least this makes it a bit more real.

So here is our current progress, building off of what was documented previously.


This page includes affiliate links — which means I may receive some sort of compensation (at no cost to you) if you sign up or make a purchase through these links.

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