I hope everyone is having a fantastic week. This week was work evaluations and bonus distributions. It’s a nerve-wracking time, sitting through the evaluation hoping you have done everything right. For me, I did okay with only one area of improvement to address. While it shaved a couple of hundred dollars off my bonus, there […]
debt payoff
Reflections on One Year of Debt Freedom
Life has been so busy that last week when my one year anniversary of debt freedom came, it also went pretty damn quick. I blinked and poof! It had passed me by. Still, June 5th 2015 was one of the most important days of my life. Even though I’m eleven days late, I do want to take […]
Post-Debt Spending: How to Do it Right
I’ve been debt free for almost nine months now. It’s a glorious place to be. No student loan payments hang over my head. I’m much more financially secure. I’ve stepped up my savings rate substantially. All these things are the direct result of paying off my debt. Navigating the world of post-debt spending has been […]
How to Get What You Want
I’ve been looking back over my last year and reflecting recently. I’m thinking about my debt payoff journey and introduction into pf blogging, thinking about myself and who I am now. I am realizing that I am super good at commitment. When I really, truly want something with all my heart I fucking commit to getting […]
I Love to Hate Debt
I love to hate debt. It’s my favorite thing to pick on. I like talking smack about debt, I like paying debt down and I like hating debt. It’s like, I hear the word debt and I run over to the conversation, all excited, and say ‘Oh man, y’all talking about debt? I totally HATE […]
My Money Mindset, Post Debt
Paying off all my student loan debt was the best thing I have ever done for myself and my finances. It’s made everything better. Becoming debt free doesn’t mean suddenly becoming wealthy though, or even financially stable. While not having to make a debt payment each month does mean ownership of my money I am still […]
Get Out Of Debt Now, For Your Future Self’s Sake
When you’re carrying debt, sometimes it feels like you’re standing at the bottom of a hole, just looking up. Your debt has built up all around you and you feel stuck, unable to get out. Even though I have successfully climbed my debt mountain, I still talk about debt all the time. I mean, it’s all […]
How It Feels to Not Have A Debt Payment
This month marks the first time in four years that I haven’t had to make a student loan payment. KaraKara Perez is the original founder of From Frugal To Free. She is a money expert, speaker and founder of Bravely Go, a feminist financial education company. Her work has been featured on NPR, Business Insider, Forbes, and […]
Smart or Dumb: The Decision is In!
A few days ago I asked the second question in my ‘Smart or Dumb’ series. I was torn between using some of my emergency fund cash ($1000) to help pay off my remaining debt this month. I’ve been carrying debt since 2011 and I am only $2,700 away from being debt free. As any reader of […]
Another Loan Bites the Dust: The End is in Sight!
Celebrate with me dear readers, because I just paid off another loan! I got paid unexpectedly today. A deposit appeared in my checking account from my catering company that I wasn’t expecting until next week. I got my weeks mixed up and thought that I was going to be paid a week later. Yesterday also […]