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.

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.

Continue Reading…

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.

Continue Reading…

Gen X Perspective on Millennial Student Loan Debt

Closing the Generation Gap - Millennial Student Loan Debt

I’ve been reading a lot about millennials and how they are handling their student loan debt.

There are tons upon tons of articles and blogs out there documenting how the younger generation has successfully managed and paid off their debt.

And I think that’s awesome.

In fact, I would be ecstatic if my son would take a page from any of those books, so he can eventually implement a creative strategy of his own.

But that’s a story for a different day. It’s not my story.

My story starts a little earlier than that, since I’m not a millennial. I guess I’m not too far off, only by a few years. But I apparently fall into the Gen X category — that awful, grungy, apathetic lot who complained about reality biting and adults being Clueless.

Continue Reading…
Privacy Policy
Mastering the Side Jam