Category

Debt

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.

Spending Money — One of Many Things I Learned in College…

What I Learned from Spending Money in College
What I Learned from Spending Money in College

Blast from the Past

Recently, I’ve been cleaning house. Both literally and figuratively.

But more specifically — sifting through closets and shelves and basement containers. Trying to make sense of some of the clutter taking up space in my house.

I’ve lived here for all of five years. But for some reason, it feels like stuff has been accumulating for decades.

So I figured it was time to clear out some clutter. To eliminate the excessive objects overwhelming my living quarters. And really, to assess items of actual value to keep long term, while minimizing items merely taking up space.

And since it just so happened I’d already been splitting up some of my household’s personal property, it seemed appropriate to clear out some other clutter during this process as well.

I knew I had my work cut out for me

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Debt Payoff Update: Be Careful What You Wish For

Dandelion Wish Debt Away
 Dandelion — Can’t Wish Debt Away

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.

Or maybe you did see it coming, and chose to ignore it. Ignorance is bliss, isn’t it?

So here is what I’m talking about:  Debt.

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Staying Focused to Pay Off Debt

Doing Bills to Pay Off Debt
Dude – Hit me up with another cup. We may be here for a while …

 

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 debt journey documentation has ended, by any means. In fact, if anything — its existence has extended even further.

Not because we’ve added anything significant to our existing debt. But because we’ve been doing a cr*ppy job (in my opinion) of paying it down successfully.

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How You Been Criticized for Managing Your Money?

Managing Your Money - Reaction to Critics
Managing Your Money – Reaction to Critics

Here’s an article that was recently published on Debt.com, 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 Debt.com 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 know will lead you toward debt freedom and financial independence. At the same time, some criticism may be constructive, so it’s important to be open so you can receive valuable advice.
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