Student loans paused all the way back in March 2020—that was years ago now! It’s been so long there are some recent graduates who have NEVER made a student loan payment since they’ve gotten their diploma. Other borrowers have paid off their balance, others have used the time to pay off other debts,
Why You Should Cut-Up Your Credit Cards
So many of us have done it: Opened a credit card and told yourself, “I’ll pay it off every month and benefit from the rewards!” It seems like the perfect plan. Plus, the Internet tells us we MUST have a good credit score to get a house. So, really, getting a credit card is a responsible step toward
From Anxiety to Keeping It Simple
Benjamin and Crystal are living proof that you do not have to live paycheck to paycheck. Multiple studies site that 70-80% of Americans live paycheck to paycheck. Benjamin and Crystal were no different. However, they made a decision that life is too short to stay this way and the
Paying Off Debt – Third Time is a Charm!
My husband and I had worked the baby steps in previous years and had actually gotten out of debt and moved on to step 3. Then we stopped. I think we got out of debt too easy by selling things and cashing out an investment and it didn't "hurt" too bad. It was fast and easy and relatively painless,
A Two-Year Old Cashier
Fellow friend and financial coach Greg Pare wrote this blog recently that I thought was so inspiring I wanted to share it will all of you. Recently, a client showed me her envelopes that she had made. Of course, she uses them to separate her cash into her budget categories. Never mind the fact the
Five Ways to Tackle Your Debt
Have you ever watched a football game where one of the defensive players makes a HUGE tackle and crushes his opponent? How would you like to do that to your debt? Wouldn’t it feel great to tackle one of the biggest stressors in your life? For most people one of the biggest causes of stress is
Protecting Yourself – Negotiating With Collectors
You are behind on your bills and you are offered a chance to settle an account and pay less than what you owe. That is great news. The sooner you can pay off these off and move on with life the better. And if you are wondering, settling on a past due bill is legal and moral (as long as both
AHH!!…Monster!
Last year at this time I wrote about my daughter Julia turning six years old and how we had to tell her “no” on her birthday (even to cheese balls). This year when my daughter turned seven there was another memorable moment surrounding her birthday.