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3 Reasons Having Online Friends Is The Best Thing For Your Debt Free Journey
by Amanda Williams
There is a growing online community of people who are - or have been - exactly where you are now. And they aren’t afraid to show you how they are climbing out of the same hole you may be finding yourself in now.We call ourselves and the Debt Free Community, and I am here to share 3 reasons why joining this group of weirdos may be the very best thing for your progress while you embark on this journey.Posted in Amanda Williams, Amanda Williams Debt Free In Sunny CA, Baby Step, Baby Step Enthusiast, Borrowing Money, Budgeting, Budgets, Cash Envelopes, Cash is King, Community, Dave Ramsey, Dave Ramsey Enthusiast, Debt, debt and relationships, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, Debt Snowball, Debt Snowball Chart, Debt.Free.In.SD, DFISCA, DFISCA Blog, Extra payments, FI/RE, Finances, Financial Freedom, Financial Independence, Financial Independence Retire Early, Financial Peace University, Financial Stability, FinCon, FIRE, Frugal, Fun Money, How To, Instagram, Living That Budget Life, Loan Payments, Online Friends, Personal Finance, Personal Finance Blog, Sinking Funds, Spending Money, Student Loan, Student Loans, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, ZBB, Zero Based Budget -
7 Easy Ways to Minimize College Debt
by Amanda Williams
Americans are drowning in student debt. Collectively, 43 million adult Americans have racked up $1.5 trillion in federal student loan debt, PLUS another estimated $119 billion on student loans from private sources that are NOT backed by the government. The average student loan payment is $393 per month, and an estimated 40% of borrowers expect to default on their loans by 2023.In this blog, we’ll discuss seven options that could help you save money during your higher education years. Some of these are not ‘conventional,’ but I included them to make you think outside the box!
Posted in 7 Easy Ways to Minimize College Debt, Air Force, Air Traffic Controller, Amanda Williams, Amanda Williams Debt Free In Sunny CA, Amazon, Army, associate's degree, Baby Step, Baby Step Enthusiast, bachelor’s degree, Back to college, Back to college savings, Back to School, Back to school savings, Blue-Collar, Borrowing Money, Budgeting, Budgets, Career, Career Catapult, Cash Envelopes, Cash is King, Chegg, Coast Guard, College, Community College, Craigslist, Dave Ramsey, Dave Ramsey Enthusiast, Debt, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, Debt Snowball, DFISCA, DFISCA Blog, Ebay, Extra payments, Facebook, Facebook Marketplace, FI/RE, Finances, Financial Freedom, Financial Independence, Financial Peace University, Financial Stability, Frugal, GI Bill, How To, individual student loans, Information Technology, Intern, Internships, Intership, IT, IT Women, Jobs, Living That Budget Life, Loan Payment Amounts, Loan Payments, Marine, master's degree, Military, Montgomery GI Bill, Montgomery GI Bill Active Duty (MGIB-AD), National Guard, Personal Finance, Personal Finance Blog, Post 9/11 GI Bill, professor, Real Estate, Sinking Funds, Soldier, Student Loan, Student Loan interest, Student Loans, textbooks, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, Trade School, United States Marine Corps, USMC, Virtual Assistant, Vocational School, ZBB, Zero Based Budget -
How I Budgeted for my Bundle of Joy
by Amanda Williams
Having a baby changes everything, especially your finances. If you start planning and thinking about these things before you plan to conceive or as soon as your surprise is discovered, you will put yourself in a much better position before your little miracle arrives. Learn how to prep for your incoming babe in this blog post!Posted in Amanda Williams, Amanda Williams Debt Free In Sunny CA, Babies, Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Cash Envelopes, Cash is King, Dave Ramsey, Dave Ramsey Enthusiast, Debt, Debt and Babies, debt and relationships, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, Debt Snowball, DFISCA, DFISCA Blog, Extra payments, Family Planning, Family Planning and Debt, FI/RE, Finances, Financial Freedom, Financial Independence, Financial Independence Retire Early, Financial Peace University, Financial Stability, FIRE, Frugal, How I Budgeted for my Bundle of Joy, How To, interest payments, Marriage, Medical, Medical Debt, Personal Finance, Personal Finance Blog, Sinking Funds, Spending Money, Spouse, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, thethriftyteacherlady, wife, ZBB, Zero Based Budget -
Every Debt Free Journey Starts With A 'Sick And Tired Moment'
by Amanda Williams
Those of us on a debt free journey have gone through the same moment. It’s the day that you put your foot down and decide that you’ve had enough of your own crap. This is a story of one of those ‘sick and tired’ moments. The day that most of us never forget, and the day that changes our financial path for the rest of our lives.Posted in Addiction, Amanda Williams, Amanda Williams Debt Free In Sunny CA, Baby Step, Baby Step Enthusiast, Borrowing Money, Budgeting, Budgets, Cash Envelopes, Cash is King, Dave Ramsey, Dave Ramsey Enthusiast, Debt, debt and relationships, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, Debt Snowball, DFISCA, DFISCA Blog, Every Debt Free Journey Starts With A 'Sick And Tired Moment', FI/RE, Finances, Financial Freedom, Financial Independence, Financial Independence Retire Early, Financial Peace University, Financial Stability, FIRE, Frugal, husband, life partners, Living That Budget Life, Marriage, Our Debt Free Story, OurDebtFreeStory, Personal Finance, Personal Finance Blog, Personal Loan, Recovery, relationships, Shopping Addict, Shopping Addiction, Spending Money, Spouse, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, wife, ZBB, Zero Based Budget -
10 Tips to Save Money This Back to School Season
by Amanda Williams
It’s that time of year again - kids are heading back to school. According to the National Retail Federation, families will spend around $696.70 on back to school items K-12, and $976.78 on back to college expenses. As a parent of two, I can relate to how hard-hitting this time of year is to the wallet.
So how can you cut some of these costs? I have a few, easy-to-follow tips for you!
Posted in 10 Tips to Save Money This Back to School Season, Amanda Williams, Amanda Williams Debt Free In Sunny CA, Baby Step, Baby Step Enthusiast, Back to college, Back to college savings, Back to School, Back to school savings, Borrowing Money, Budgeting, Budgets, Cash Envelopes, Cash is King, Dave Ramsey, Dave Ramsey Enthusiast, Debt, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, Debt Snowball, DFISCA, DFISCA Blog, FI/RE, Finances, Financial Freedom, Financial Independence, Financial Independence Retire Early, Financial Peace University, Financial Stability, Frugal, Her Well Spent Life, HerWellSpentLife, How To, Personal Finance, Personal Finance Blog, School, School Savings, Spending Money, Tancy, Tax Free Weekend, Tax Free Weekend Savings, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, ZBB, Zero Based Budget -
Date Nights In Debt
by Amanda Williams
Paying off debt can be a grueling process. It's often the same thing, different day. You are waiting around for payday, crunching numbers so that you can pay off the most debt, being über careful with how you spend your money and working more than you're used to working. Sometimes this can wear down a person, and it certainly affects a couples' spark.
Paying off debt is NOT an excuse to let your relationship dull. It's this time in your life where a significant others support can make or break your journey. Building a better life for both of you is an essential part of this process, but it doesn't work if you're both miserable.
Posted in Amanda Williams, Amanda Williams Debt Free In Sunny CA, Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Cash Envelopes, Cash is King, Date, Date Night Romance, Date Nights, Date Nights In Debt, Dave Ramsey, Dave Ramsey Enthusiast, Debt, debt and relationships, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, Debt Snowball, Debt Snowball Chart, DFISCA, DFISCA Blog, FI/RE, Finances, Financial Freedom, Financial Independence, Financial Independence Retire Early, Financial Peace University, Financial Stability, FIRE, Frugal, Frugal Date Night, Fun Money, How To, Living That Budget Life, Sinking Funds, Spending Money, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, ZBB, Zero Based Budget -
4 Things Your Net Worth and Weight Have in Common
by Amanda Williams
The advice I took to help me achieve my health and fitness goals was eerily familiar. I realized that the tips that I give for financial goals were very similar to the information provided for successful weight loss. Setting a calorie intake goal was like setting a budget! And tracking every single thing I ate was like tracking every single expense. Just exercising and not changing any other behavior was the equivalent to thinking that making more money would solve all financial problems.Making more money will never solve anything for you if you continue to overspend and live above your means. Just like exercising more didn't do anything for me. If you want to take control of your finances and make serious progress towards your goals, you can't just do one thing. You need to implement all the behaviors that will drive that success.
Posted in 4 Things Your Net Worth and Weight Have in Common, Amanda Williams, Amanda Williams Debt Free In Sunny CA, Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Cash Envelopes, Cash is King, Dave Ramsey, Dave Ramsey Enthusiast, Debt, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, Debt Snowball, DFISCA, DFISCA Blog, diet, exercise, FI/RE, Finances, Finances and Fitness, Financial Freedom, Financial Independence, Financial Independence Retire Early, FIRE, Fitness, Fun Money, health and wellness, How To, Living That Budget Life, Mindset, Net Worth, Net Worth and Weight, Personal Finance, Personal Finance Blog, Spending Money, Student Loan, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, Vee Makes Sense, Veronica Torres, Weight, ZBB, Zero Based Budget -
All You Need To Know About Cash Envelopes
by Amanda Williams
Cash envelopes are a tool to help curb your spending. Instead of using your debit/credit card for all purchases, use cash for the areas you tend to overspend in. With cash, you feel your purchases more. It hurts to hand over the money. With cards, you blindly spend and fail to pay attention to how much you’re spending.
Posted in All You Need To Know About Cash Envelopes, Amanda Williams, Amanda Williams Debt Free In Sunny CA, Baby Step, Baby Step Enthusiast, Borrowing Money, Budgeting, Budgets, Cash Envelopes, Cash is King, Dave Ramsey, Dave Ramsey Enthusiast, Debt, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Free In Sunny CA Cash Envelopes, Debt Freedom, Debt Snowball, DFISCA, DFISCA Blog, FI/RE, Finances, Financial Freedom, Financial Independence, Financial Independence Retire Early, Financial Peace University, Financial Stability, FIRE, How To, Side Hustle, Sinking Funds, Spending Money, Student Loan, Stuffing Cash Envelopes, Succulent Cash Envelopes, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, ZBB, Zero Based Budget -
Rover Rover: Send Money On Over
by Amanda Williams
It’s not a secret. I love dogs. Actually - I am obsessed with them. And I’m (obviously) not the only one around who feels this way. Millennials are taking pet ownership to a new level. With the rising cost of living, the student debt crisis, and the cost it takes to raise a child both economically and environmentally… people in their 20’s to mid 30’s are opting out of having children and opting in to raising their furry friends as family. This increase of pet-centric homes has created a booming market for pet services such as Rover.com.
Posted in Amanda Williams Debt Free In Sunny CA, Baby Step Enthusiast, Budgeting, Budgets, Cash Envelopes, Dave Ramsey, Dave Ramsey Enthusiast, Debt, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, DFISCA, DFISCA Blog, Dog Boarding, Dog Lovers, Dog Walking, Dogs, House Sitting, How To, Living That Budget Life, Rover Dog Boarding, Rover Dog Walking, Rover Gig, Rover House Sitting, Rover Job, Rover Rover: Send Money On Over, Rover.com, Side Hustle, Side Hustle Job, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, ZBB, Zero Based Budget -
The Baby Steps Explained
by Amanda Williams
The baby step method of paying off debt was made famous by finance guru, Dave Ramsey. In the debt free community, the baby steps are the preferred and most common method of paying off debt. It’s also how Josh and I paid off $133,000 in less than four years. In this blog post, we define what baby steps are, how to start putting the baby steps into action, and give tips and tricks to the baby steps plan.Posted in Amanda Williams, Amanda Williams Debt Free In Sunny CA, Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Dave Ramsey, Dave Ramsey Enthusiast, Debt, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, Debt Snowball, Debt Snowball Chart, DFISCA, DFISCA Blog, Excel Debt Snowball Template, Extra payments, Finances, Financial Freedom, Financial Independence, Fun Money, How To, Living That Budget Life, Loan Payment Amounts, Loan Payments, Sinking Funds, Spending Money, Student Loan, Student Loans, The Baby Steps Explained, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, ZBB, Zero Based Budget -
Father’s Day For The Frugal
by Amanda Williams
I always try to think of gift ideas that will create a lasting memory, rather than material joy. The real gift is celebrating your Father and taking the time to show gratitude and love to him. You also don’t want to overextend your finances when it comes to gifting experiences - to Dad or anyone else. I hope that this article gives you a wide range of ideas for memories and gifts that you can give Dad. We’ve outlined 5 frugal ideas for your Father’s Day gifts. He’ll love them because of the thought and care behind the present, and you’ll love them because they definitely won’t break the bank!
Posted in Baby Step, Baby Step Enthusiast, Borrowing Money, Budgeting, Budgets, Cash Envelopes, Dave Ramsey, Dave Ramsey Enthusiast, Debt, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, Debt Snowball, DFISCA, DFISCA Blog, Father's Day, Father's Day Gift Guide, Father's Day Gifts, Father’s Day For The Frugal, Finances, Financial Freedom, Financial Independence, Financial Stability, Frugal Father's Day, How To, Living That Budget Life, News, The Total Money Makeover, The Total Money Makeover by Dave Ramsey -
Sinking Funds and Why They'll Be Your Life Raft
by Amanda Williams
Sinking funds, according to Merriam-Webster, is defined as ‘a fund set up and accumulated by usually regular deposits for paying off the principal of a debt when it falls due.’
Let’s take Christmas as an example.
Christmas is NOT an emergency. December 25th is the same date every year. It shouldn’t surprise you. Yet according to Market Watch, most consumers racked up over $1,000 in credit card debt over the holiday. A shocking 5% of consumers went into debt over $5,000!
Posted in Amanda Williams, Amanda Williams Debt Free In Sunny CA, Baby Step, Baby Step Enthusiast, Borrowing Money, Budgeting, Budgets, Cash Envelopes, Dave Ramsey, Dave Ramsey Enthusiast, Debt, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Freedom, Debt Snowball, DFISCA, DFISCA Blog, Finances, Financial Freedom, Financial Independence, Financial Stability, How To, Living That Budget Life, News, Sinking Funds, Sinking Funds and Why They'll Be Your Life Raft, Spending Money, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, ZBB, Zero Based Budget
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