April 26, 2017

I’d Even Flip Burgers, If I Had To

It’s been awhile since I’ve written anything on this blog. Primarily that’s because I’ve been busting my tail, trying to get my feet back underneath me financially speaking. You see, I’m not always a good decision maker when it comes to money. And even though I have semi-steady work, it’s just barely been enough to pay the bills. As such, I spend a lot of time stressed out about those bills and where the money is going to come from to pay them. In fact, this very topic has figured very heavily in my prayer life lately. And while this next […]
November 13, 2016

Money Shame or Once Again, I Can’t Handle Money

This seems like a topic I might be revisiting ad nauseum. It might feel like that for you too. You get money stuff under control, and then something happens. An absolutely necessary car repair…or a kid (who happens to be allergic) gets stung and you’ve got medical bills you weren’t prepared to pay. Now, the fact of the matter is – if we had really been budgeting properly (and for a long enough time) we would be ready for these things. Well, I don’t know about you – but I haven’t been. I haven’t been budgeting for long enough, that is. […]
May 24, 2016

How can a single mom beat student loan debt forever?

Contributed by- Amy Nickson It’s not easy being a single mom as you often face challenges like managing unexpected expenses without extra income from a spouse apart from the burden of caring for the child. But it is the time that you stop making excuses and begin to take charge of your life and of your baby. But your situation can take an adverse turn if you financially default on your college loan payment. How can single mothers pay off student loan debt? You can apply for grants designed for women to overcome your financial problems. These days, many single […]
May 18, 2016

Are Your Car Costs Holding You Back?

A guest post by Giles Kirkland When it comes to being a parent, some costs are necessary, others are not. For most families, the car falls within the former. Whether it’s the daily school run, doing the shopping or the various other duties that ultimately arise, a vehicle is a big part of family life. That being said, it is seldom cheap. Other than your house, it’s hard to think of something that comes with as many upkeep cost. Whether it’s car insurance, maintenance, fuel or servicing, managing the financial aspect of a car is a lot like handling a […]
May 5, 2016

What’s so wrong with living in debt anyway?

As someone who has quite a bit of experience with this – I can tell you that sometimes it feels like debt is just inevitable. You are always going to be behind anyway, so what’s the point of getting out of it? It’s super easy, especially when there are times that no matter what you do to get ahead it feels like you are just always falling backwards, to just give up and give in. I mean, why even bother? Why work your butt off when you know nothing is going to change? You will always need something that you can’t […]
April 6, 2016

I Paid off $64k in Debt – and it was NOT via Prostitution.

Were you aware the only plausible way for a woman to pay off an astronomical amount of debt is via prostitution? Yeah, I didn’t either. But that’s what someone actually said about me. I guess stripping isn’t an option for moms, but turning tricks makes sense. Unfortunately, it was much less exciting, and took a heck of a lot more work than it would have had I thought of that prostitution idea. Another guy made a bunch of comments about it being stupid to be in that much debt. Well, duh. As if I didn’t spend so much time agonizing over […]
April 6, 2016

All Press Is Good Press

So, there’s this guy on twitter mocking one of my posts. And that’s cool, because while he totally misunderstood my point – as did a whole lot of other people – it’s getting my project some notice. Even if it’s just amongst people who are trying to mock it. The more they retweet it, the more it will get out to the people who really might benefit from it. The fact is, a lot of people are in debt, and they feel a lot of shame around it. I had a lot of debt, and I spent a lot of […]
November 20, 2015

It’s the Holidays…But You Are in Debt

It’s the holidays… but you are in debt. But…it’s the holidays… And you are still in debt. This is a hard time of year. Especially because if you are like me, you’ve got kids. You’ve got people who are depending on you for stuff. And not just stuff – but holiday memories. And you sure as hell don’t want to let them down. You can’t have your kids remembering that one Christmas when we didn’t get anything because mommy makes poor money choices. So, what to do? Well, ideally, you would have started saving for this yearly event last year. […]
October 19, 2015

Spend Less on Candles

Addendum: YES, I realize the tweet is a joke. But, it is an illustration of the point I was trying to make. Obviously, it’s ridiculous to think anyone is spending that much on candles – but people really do spend a crap ton of money on crap they don’t need and then can’t figure out why they can’t pay their bills. I think it’s a sad commentary on our society that I had to explain this…   I saw this screenshot of a tweet several weeks ago, and I’ve been hanging onto it to use for this post. I know […]
October 5, 2015

Admitting You Need Help – That’s The First Step

As with any other problem in your life, admitting you need help is the first step. But where to get that help? For people who like to be in control (as I’m betting you do) – it’s not easy. If you admit that you need help, you admit that you do not in fact have all of your crap together. Good news. No one thought you did anyway. Except maybe you. You thought you had it all under control. You thought you could take care of yourself. Get over it.  When there are people in your life who genuinely love […]
September 30, 2015

Guest Post: Save Your Way Out of Debt

Saving is the fastest way out of debt. Time and time again I see men and women in debt keeping themselves in deprivation mode saying things like, “I can’t buy new clothes until my debt is paid down,” or “I don’t deserve a vacation because I’m only paying the minimum on my cards.” A poverty mentality can be very depressing and might affect one’s self-esteem, relationships and ability to earn money. Worst of all, it can keep you in the debt cycle because the tension around keeping a lid on it has to be released eventually. It is possible to save […]
September 21, 2015

Yes, I’m in debt. And yes, I bought that.

Being in debt sucks. You know that. And it’s hard, when you are in debt to stick to your guns where spending is concerned. Especially if you are in debt, not for student loan or medical reasons. You got there because you like spend money, or get things, or go places. Those habits are hard to break. And the chances are very very very good that you are going to spend money when you should not. I’ve been there. I’ve done that. The key here is not to let it get you down. You can’t just throw it all into […]