DFISCA
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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 -
Why We're Leaving California
by Amanda Williams
Talking about moving has been a recurring theme in our house. Every few months we start the conversation of moving to another state. Florida and Texas have been our top two options because our company has office locations there (with the ability to transfer). After a few days of obsession over moving, we’d get distracted by something else and stop talking about it. This time was different. Debt Free In Sunny CA is moving from California to Texas to chase FIRE.Posted in Amanda Williams, Amanda Williams Debt Free In Sunny CA, Baby Step, Baby Step Enthusiast, Budgeting, Budgets, California, Career, 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, FI/RE, Finances, Financial Freedom, Financial Independence, Financial Independence Retire Early, Financial Peace University, Financial Stability, FinCon, FIRE, How To, IT, IT Women, Jobs, Kickstarter, Leaving California, Living That Budget Life, Moving, Playing With Fire, Retire Early, Sailing, Security, Spending Money, Texas, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, ZBB, Zero Based Budget -
Term Life Insurance: Our Experience
by Amanda Williams
Life insurance, it's one of those grown-up tasks that we all put off and don't want to bother with. Josh and I were no different. We've been putting it off for three and a half years! The process and hassle wasn't something that we wanted to deal with. It's been in the back of my mind nagging me, telling me we need to get it set up as soon as possible. We had been putting it off because we have life insurance through our work. They provide 3x your salary in the unfortunate event that one of us passes away.Posted in 20-30 year policy, Baby Step, 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, Debt Snowball, DFISCA, DFISCA Blog, Finances, Financial Freedom, Financial Peace University, Financial Stability, How To, Insurance, Insurance Company, Insurance Policy, Life Insurance, Life Insurance Policy, Living That Budget Life, Medical, Medical Exam, Monthly Premium, Preferred Plus, Preferred Standard Plus, Standard, Term Life Insurance, Term Life Insurance: Our Experience, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, whole life insurance, Zander Insurance, Zander Insurance Group, ZBB, Zero Based Budget -
4 Things You Probably Didn’t Know About Instagram Security
by Amanda Williams
Today we’re stepping outside of the normal budget and debt payoff posts to talk about Instagram security! Fun, right? Following the steps in this post will help prevent your account from being hacked or even worse, deleted. We'll learn: Why you should care about account security, Best password practices, Two factor authentication, and Instagram backups.Posted in 4 Things You Probably Didn’t Know About Instagram Security, Account Security, Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Cash Envelopes, Cyber Security, Dave Ramsey, Dave Ramsey Enthusiast, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Snowball, DFISCA, DFISCA Blog, Disable Instagram, Disabled Instagram Account, Facebook Security, Hacking, Information Technology, Instagram, Instagram Account Deactivated, Instagram Backup, Instagram Security, Internet Security, Living That Budget Life, News, Password Practices, Password Protection, Security, Security Hacking, Social Media, social media influencers, Two Factor Authentification, Zero Based Budget -
Instagram Account Disabled? Here’s How I Reactiavated my Account in 37 Hours
by Amanda Williams
Here is a handy how to guide on getting your Instagram account reactivated after it has been disabled.Posted in Account Security, Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Cash Envelopes, Dave Ramsey, Dave Ramsey Enthusiast, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Snowball, DFISCA, DFISCA Blog, Disable Instagram, Disabled Instagram Account, Facebook, Facebook Security, Hacking, How To, Information Technology, Instagram, Instagram Account Deactivated, Instagram Account Disabled? Here’s How I Reactiavated my Account in 37 Hours, Instagram Backup, Instagram Security, Internet Security, IT, Living That Budget Life, Password Practices, Password Protection, Security, Security Hacking, Social Media, Two Factor Authentification, ZBB, Zero Based Budget -
5 Tips To Get Your Spouse On Board
by Amanda Williams
Here is an easy 5-step guide on How To Get Your Spouse On Board of a Debt Free Journey.Posted in 5 Tips To Get Your Spouse On Board, Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Cash Envelopes, 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, Do not nag, Finances, Financial Freedom, Financial Peace University, Financial Stability, Fun Money, How To, husband, life partners, Living That Budget Life, Marriage, nag, nagging, partners, relationships, Spending Money, Spouse, Start with Why, The Dave Ramsey Show, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, Why, wife, ZBB, Zero Based Budget -
Making It In San Diego: My Interview with ABC 10News
by Amanda Williams
The inside scoop of my interview with local news media, ABC 10News. Reporter Amanda Brandeis sat down with Josh and I to go over exactly how we paid off debt and are living a financially responsible life in the California economy. We were featured on a segment called 'Making It In San Diego'. As we all know, the cost of living is high in San Diego. This franchise focuses on people making it in different areas, such as the cost of living, housing, traffic, and others.
Posted in ABC, ABC 10News, ABC News, Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Bullet Journal, Bullet Journaling, California, Cash Envelopes, Dave Ramsey, Dave Ramsey Enthusiast, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Snowball, Debt Snowball Chart, DFISCA, DFISCA Blog, Interview, Living That Budget Life, Making It In San Diego, Making It In San Diego: My Interview with ABC 10News, News, News Interview, San Diego, San Diego California, The Total Money Makeover, The Total Money Makeover by Dave Ramsey, ZBB, Zero Based Budget -
Navigating Nelnet: A How To Guide on Making Extra Payments
by Amanda Williams
Whether you’re following the debt snowball or debt avalanche, targeting your student loans individually is the most effective way to pay off your debt. Instead of spreading an extra payment across all loans, focus on one loan and throw every single penny at it until it’s paid off. Then move onto the next one. Here's a handy How To Guide on Making Extra Payments on a Nelnet Student Loan.Posted in Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Cash Envelopes, Cyber Security, Dave Ramsey, Dave Ramsey Enthusiast, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Snowball, DFISCA, DFISCA Blog, How To, individual student loans, Living That Budget Life, Loan Payment Amounts, Loan Payments, Navigating Nelnet: A How To Guide on Making Extra Payments, Nelnet, Nelnet Student Loans, Password Practices, Student Loan, Student Loan interest, Student Loans, Zero Based Budget -
Career Catapult: How Working During College Benefitted My Career
by Amanda Williams
Having a full-time job while I transitioned my career at 23 wasn't an option, it was a necessity to survive. As a full-time student in California, working during my college years afforded me experience, and money to live. Here's How Working During College Benefitted My Career.Posted in associate's degree, Baby Step, Baby Step Enthusiast, bachelor’s degree, Budgeting, Budgets, California, Career, Career Catapult, Career Catapult: How Working During College Benefitted My Career, Cash Envelopes, Center for Financial Services Innovation, College, Community College, Cyber Security, Dave Ramsey, Dave Ramsey Enthusiast, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Snowball, DFISCA, DFISCA Blog, How To, IT, IT Women, Jobs, Living That Budget Life, master's degree, Student Loan, Student Loan interest, Student Loans, Women in IT, ZBB, Zero Based Budget -
Need Help With Navient? The Process of Making Extra Payments
by Amanda Williams
Instead of spreading an extra payment across all loans, focus on one loan and throw every single penny at it until it’s paid off. Then move onto the next one. This blog post focuses on how to make extra payments on Navient student loans. I also have blog posts for FedLoan and Great Lakes.
Posted in Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Cash Envelopes, Dave Ramsey, Dave Ramsey Enthusiast, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Snowball, DFISCA, DFISCA Blog, How To, Living That Budget Life, Student Loan, Student Loan interest, Student Loans -
Great Lakes: A Step-By-Step Guide on How to Make Extra Payments
by Amanda Williams
Whether you're following the debt snowball or debt avalanche, targeting your student loans individually is the most effective way to pay off your debt. Instead of spreading an extra payment across all loans, focus on one loan and throw every single penny at it until it's paid off. Then move onto the next one. Here's a step-by-step guide on how to make extra payments on a Great Lakes student loan.Posted in Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Cash Envelopes, Dave Ramsey, Dave Ramsey Enthusiast, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Snowball, DFISCA, DFISCA Blog, Extra payments, Great Lakes, Great Lakes Student Loan, Great Lakes: A Step-By-Step Guide on How to Make Extra Payments, How To, individual student loans, interest payments, Living That Budget Life, Personal Loan, principle balance, Student Loan, Student Loan interest, Student Loans, ZBB, Zero Based Budget -
FedLoan: How to Make an Extra Payment
by Amanda Williams
Whether you're following the debt snowball or debt avalanche, targeting specific student loans is the most effective way to pay off your debt. Instead of spreading an extra payment across all loans, focus on one loan and throw every single penny at it until it's paid off. Then move onto the next one. This blog goes through how to do that with a FedLoan Student Loan.Posted in Affiliate Links, Baby Step, Baby Step Enthusiast, Budgeting, Budgets, Dave Ramsey, Dave Ramsey Enthusiast, Debt Avalanche, Debt Free, Debt Free Community, Debt Free In Sunny CA, Debt Free In Sunny CA Blog Post, Debt Snowball, DFISCA, DFISCA Blog, Extra payments, FedLoan, FedLoan Servicing, FedLoan Student Loans, FedLoan: How to Make an Extra Payment, How To, interest payments, Living That Budget Life, Loan Payment Amounts, Loan Payments, principle balance, Student Loan interest, Student Loans
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