October 5, 2015

The Inconstant Life of an Entrepreneur

My youngest son is going to be 10 in a few months. Which means that I’ve been running my own business for dangerously close to a decade. Ten years. Wow. If ten years ago at this very moment, when I was very, very pregnant, and chasing after the two kids I already had (they were 2 and 1, respectively) – I would never ever have guessed where I would be right at this very moment. But that’s how life is right? For everyone. Whether you are an entrepreneur or not. Life changes. Things you never saw coming hit you like […]
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 25, 2015

The Glorification of Busy

Everybody is so busy. But, like, no one is getting stuff done. That may be a little inaccurate. People are getting things done, but perhaps it’s not the right things. For the last few months, I’ve been busy. Busy doing client work. Busy running kids to their respective practices and events. Busy with errands. But I haven’t gotten any of my projects off the ground. Not a single one. Is that because I’m so busy? Or is it because in the in-between times I’m just wasting time? Perhaps it’s both. Perhaps I say yes when I should say no because I’m already […]
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 […]
September 17, 2015

Q&A: Will Credit Consolidation Hurt My Credit Score

I wrote a guest blog for The Penny Hoarder a few weeks ago – and one of the questions I got, both via email and on Facebook was regarding the part where I talk about using a Credit Consolidation company to help me pay it all off. Specifically, the questions revolved around whether doing it that way hurt my credit score. It did not. Having read more about the topic – I now understand why people were asking. Because a true debt consolidation would involve taking out a new loan, in a larger amount so that you could just pay off […]
September 14, 2015

Debt Avalanche vs. Debt Snowball

When you are in debt, you need a solution. Paying off the debt, is of course, the goal – but how to get there? That’s the problem. From my experience, and what I’ve read, there are two major ways to achieve the goal. And to be completely honest, I hadn’t heard of them, but they make perfect sense. 1. The Debt Avalanche The debt avalanche method works by sitting down and writing down your debts; how much you owe; and what the interest rate is for each one. Once you have that down, you can evaluate which debt to start with. […]
September 7, 2015

5 Ways to Make Money Without Leaving the Couch

It should be clear to you at this point that it is entirely possible to pay off large sums of debt. And, just in case you missed it…the only way to do that is to make some money. When I first started down the journey to soul-crippling debt, it was as a lark. I had three small kids. I was bored. I started spending more money than I had (which was basically none) – and the new stuff I brought home made me feel better about myself. Then it got progressively worse as I took on a boatload of mystery […]
September 3, 2015

Petroglyphs + Secret Canyon

So, after we left Arches and that hellish hike, we stopped at the Moab Diner for a quick bite. I cannot recommend this place more strongly – and if you don’t try the green chili, you might as well not bother. I got the Chorizo Sweetwater Skillet, with green chili on the side. It was OMG. Next we headed towards Canyonlands, because if the state you are in has FIVE national parks, it only stands to reason that you must hit them all. No other state has as many NP as Utah, and they are each unique and beautiful. (Bryce Canyon […]
September 2, 2015

Capitol Reef & Arches National Parks

I limited yesterday’s post to Bryce Canyon – but truthfully, we also hit up Capitol Reef National Park on that same day. It was just a quick skip through the area on our way to Arches – but Capitol Reef is not insignificant, and should be ignored. The main reason I was excited to visit Capitol Reef is the Waterpocket Fold. Which sounds a bit boring – but being the geological geek that I am, I was terribly excited about it. It’s one of only four places like it in the world – a wrinkle that occurs in the crust of […]
September 1, 2015

Bryce Canyon – Hiking the Hoodoos

So, the main reason I wanted to visit Bryce Canyon was the stars. Word on the street is that the stars here are epic. Due to the lack of light pollution. Sadly, though, the moon was nearly half full, so it was too bright. Plus it was cloudy half the night we were here, so no epic stars for me. I was sad. Until we got up to head out on the Navajo Trail/Queen’s Garden Trail. It wasn’t super easy to find the trailhead, because the maps all say it starts at Sunset Point – but you have to find […]
August 31, 2015

Zion National Park – The Narrows

Every year for our anniversary, the husband and I try to do something special. Neither of us really needs anything, and I would rather go on a trip anyway. Two years ago he took me to Chicago to see the Pirates play the Cubs (I’m a giant Bucs fan). And last year we went to California for a four day excursion (I’d never seen the Pacific or, well, any of the state). This year, he let me plan it – and every day this week I’m going to recap the same day that we were gone. We flew out last Sunday […]
August 17, 2015

5 Ways to Make Your Freelance Business Work + the One Sure Way to Ruin It.

It’s been just over nine years since I started my business. I had three children (still do) – but they were all under the age of four. I had no choice but to start my own business, because I needed money – and I couldn’t afford to pay a babysitter for my little hooligans and work outside our house. Necessity, as they say, is the mother of all inventions – but it’s also the driving force behind many other things – like freelance business. Sometimes you start a business because you’ve got a great idea. And sometimes it’s because you’ve […]