DFISCA
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5 Products That Make Me Feel Wealthy
On the debt free journey, it’s recommended that you abstain from purchasing unnecessary items so that you can put all of your financial power behind paying off debt. Alternatively, if you are going to buy something new, make sure that you have a budget category for it - whether that’s personal money, spending money, shopping money, or a household goods line item. If it’s a pricey product, set up a sinking fund for it. As long as it is accounted for in your budget, you can go to Target and scan ‘til your heart's content. Here are 5 items that I swear by. Their prices range from $20 to $799 and they have helped me live a better life throughout my debt free journey.
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3 Reasons Having Online Friends Is The Best Thing For Your Debt Free Journey
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. -
7 Easy Ways to Minimize College Debt
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!
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How I Budgeted for my Bundle of Joy
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! -
Every Debt Free Journey Starts With A 'Sick And Tired Moment'
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. -
10 Tips to Save Money This Back to School Season
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!
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Date Nights In Debt
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.
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4 Things Your Net Worth and Weight Have in Common
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.
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All You Need To Know About Cash Envelopes
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.
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Rover Rover: Send Money On Over
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.
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The Baby Steps Explained
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. -
Father’s Day For The Frugal
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!
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