June 10, 2016

So, I’m a story-teller.

The business of being in web design can sometimes be feast or famine kind of situation. Some months you have more work than you know what to do with…and others you have next to nothing. This situation can wear on you after awhile. And after 8+ years, it can get downright old. Every once in awhile, the roller coaster gets to me and I decide a real job might be better. So, I occasionally apply to various web design jobs. A few weeks ago I applied to one in a nearby city. I applied Monday, and by Tuesday they’d gotten […]
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 13, 2016

Progress Is Inevitable

  There was a time when a plow pulled behind draft horses was the way to turn the dirt in your field. (Many of the Amish that live in my area still do it this way.)   And if something catastrophic happened and we no longer had gas or electricity, we would probably go back to doing it that way. But I bet you five million dollars that we would not keep doing it that way for long. You know why? Because humans are not built to stay in the same place. They are not wired to remain static. Progress […]
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 […]
April 3, 2016

A change in direction

Sometimes we all get stuck in a routine. Well, not me, because I already resist routine with every fiber of my being. I get stuck in ruts. Stuck in working on the same kinds of projects, unable to take the time to work on anything that isn’t something that is making money because, you know, I have bills to pay. Those pesky bills – they drive a lot of what I do. And that is flat out not how I want to choose what I spend my time on. Today, I saw a hawk trying it’s very best to fly […]
March 26, 2016

Disappointment does not equal defeat

It’s been a little over a week since I had to deal with a horribly disappointing loss. It doesn’t really matter what it was (it was not a devastating loss, like a death or anything), but it was hard to deal with none-the-less. When you’ve poured your heart and soul into something you believe in for weeks and weeks and weeks, only to have it fail – it’s very, very hard to get up the next morning and go about your business as if it never happened. It happened, and I’m still a little sore when I think about it […]
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 […]