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.

Debt Payoff Update: Be Careful What You Wish For

You Cannot Wish Debt Away It’s funny, when you spend so much time wishing for something to happen. Wanting it so badly, it’s all you can think about. And you imagine what life would be like, if you could only accomplish this one goal. Make this singular change that’ll make everything worth it. Something that will improve your life exponentially, so you can finally enjoy a brighter future. And then it happens. But it’s not exactly as you imagined it would be. There’s a twist at the end. A kink in the plan. A curve ball you didn’t see coming. …

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Balance Transfer Shuffling — And When to Avoid It

Balance Transfer Credit Card Decisions It’s that time of year again. Time to make some decisions. Time to make a change. Hike up those big girl panties and do what needs to be done. Is it a New Year’s resolution? Not really. Year end performance evaluation and time to ask for a raise? Nope, not exactly. Time to reign in the calories to work off those extra helpings of figgy pudding and fruitcake? Not so much. What I’m talking about is wrangling in your finances, for the umpteenth time. Getting a grip on your outstanding debt, because like it or …

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Staying Focused to Pay Off Debt

  Current Progress to Pay Off Debt I’ve started and stopped writing this post so many times, it’s unreal. Every time I wanted to post an update, I’d reconsider, thinking enough progress hadn’t been made. The entire premise of this blog is based on my journey to pay off debt. The ways I’ve been trying to make money on the side, and pursuing side hustles, in order to do that. But somewhere along the line, your priority list gets a little jumbled. And you forget what it was you were originally setting out to do. Which isn’t to say the …

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How You Been Criticized for Managing Your Money?

Here’s an article that was recently published on, that I had the opportunity to contribute to. Read below for some financial expert opinions on how to respond to money criticism. This post first appeared on and has been republished with permission. 28 Experts Answer: How Were You Criticized for Managing your Money? Naysayers are everywhere. When you’ve got a solid financial plan and stick to it, often friends and family will lose their minds and tell you that you’re doing it all wrong. It’s important to stick to your guns in these cases and follow the plan that you …

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