HOW TO CONQUER DEBT

I've been in and outta debt so many times, I've lost count. At one point, my husband James and I had a first mortgage, second mortgage, credit cards loans, a hospital loan (you might not even know those exist) AND two car payments. (Thankfully we had no student loans!)

It was a mountain to climb. Especially when James got a huge pay cut (20%). But we made it to the other side and now we are only paying off our first mortgage.

The articles you'll find here are the creative ways we paid off our debt and lived to tell about it.

Tips to Pay Off Debt Even When You're Broke

How to pay off debt with no money. Getting out of debt isn’t easy, and it can be even more difficult if you find yourself without much money to spare. Even if you are living on an extremely tight budget, you can still pay off your debt. Because, truthfully, no matter...

How Debt Affects Your Credit Score

Many factors play a big role in your credit score including your debt ratio. When it comes to your finances, your debt ratio can ruin even the best financial situation. It can ruin even more than that. Your debt ratio will not just affect your ability to...

How To Raise Your Credit Score

Raising your credit score rating is a lot like losing weight. It’s not something that can happen overnight, and there is no such thing as a quick fix. Your credit score is determined by your past behavior and not just what you are doing presently to address it. So it...

How To Afford Travel Even When You’re In Debt

You may be looking at your budget and feel like all your money is going toward paying bills. Sure paying your mortgage, student loans, car loans, and credit cards are all necessary payments, but if you are in debt, it can feel like all you’ll do with your money is put...

How Giving More Can Help You Get Out Of Debt Quicker

Being in debt can make it feel like you are pushing along without the means to help others or giving to the poor. And it becomes even more apparent when the holidays come around because that's when it feels like every organization and person you meet is looking for...

4 Sneaky Mistakes To Avoid When Trying To Get Out Of Debt

Paying off debt can be an incredible life changer. No more worry about having enough money at the end of the month. ​No more frustrating bills coming in the mail showing how much money you're spending on interest, and wasting, because you used someone...

How to Pay Off Debt When Living Paycheck to Paycheck

If you are living paycheck to paycheck, it can be stressful just to make it to your next payday. If you are struggling to make end’s meet and pay the bills, then it feels like you’ll never be able to afford to add debt payments into the mix. Adding debt to…

How To Live On One Income AND Pay Off Debt

If you are living on one income, you might think you’ll never get out of debt. For years I wasted time plugging along and paying our minimum debt payments thinking it was an impossible dream to get it paid off. Now I'm here to tell you that it is very possible to pay off debt even while only one person is earning a full-time income.

Are Balance Transfers A Good Way To Pay Off Debt?

If you have credit card debt then you know that over time it just seems to get more expensive. Plus you could be paying a ton of extra interest if you have your credit card debt spread across multiple cards. Whether you’re looking to put all of your debt...

The Truth About Debt Reduction Services

There is no such thing as a quick fix when it comes to paying off your debt including debt reduction services. However, debt reduction services can feel like a dream come true during tough times. Kind of like a Fairy Godmother that can wave her wand and...

How The Debt Snowball Method Works

You can easily payoff debt with this easy method called the Snowball Method. Imagine a tiny snowball in your hand. Now imagine that same snowball rolling down a big hill going at high speed. While that little snowball used to fit in the palm of your hand, now it’s...

Tips To Help You Graduate Debt Free

Graduating college can be very stressful when you have a load of student loan debt that you need to pay off. As a college student, you dream of the day when you can be within the career that you have worked hard towards obtaining. Instead of spending your desired...

How To Pay Your Bills When You Have No Income

{This post is sponsored by Diamond Bloggers, the story and opinion is 100% my own.} Have you experienced a time when you had no income coming in, and no savings to fall back on, yet you still have bills to pay? The problem is that when you have no income, you can't...

Are Debt Reduction Services A Good Solution To Pay Off Debt?

{This post is sponsored by Diamond Bloggers, the story and opinion is 100% my own.} When James and I first got married in 1998, he was working as a manager at McDonald's and I had just graduated from college with my accounting degree and I was looking for an...

How To Pay Off Your Debt Faster

Do you feel like you’re drowning in debt? Do you dread going to the mail or picking up the phone because you know it’s a bill that needs to be paid? You are not alone! The average household debt is around $15,000. That’s 4,110 Grande Cafe Lattes from Starbucks or 1,665 tickets to the movies! Sounds like a lot when you put it that way huh?

Surprising Facts You Need to Know About Your Credit Report

The credit report. Just hearing those two little words is enough send some consumers into a state of elevated anxiety. What's worse - it's an involuntary reaction, it just happens! Even the best consumer out there with a perfect credit score will...

 

Hi! I'm Kati, and I'm excited to help you save money!
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In our community, we strive to inspire, encourage and help you save time while you're saving money.

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