Do you wish you can save more money? Sorry, trick question. Of course, you do. I don’t know anyone who’d say no to that question. Saving money can be hard. But it doesn’t have to be complicated. The biggest hurdle to saving is that most people make it more complicated than it needs to be. Contrary to what some people think, you don’t need to have your life completely together to start saving. So here are some simple ways you…
Welcome to my January 2019 student loan debt progress, the first of 2019! If you are new here, every month, I post the progress I’ve made on paying off my student loans. I’ve done this since I first started paying down my loans in July 2017 and it has been so worth it. I do this to hold myself accountable and to share my debt progress with others who are also facing debt payments of their own. Debt paid this…
I cannot believe how fast 2018 flew by. As I look back on my 2018, I figured why not document the highlights. It’ll be great to look back on this years later to read a quick recap of my personal, financial, and work life in 2018. Before I begin, I like to start by looking back at the goals I made at the beginning of 2018. I started 2018 with $129,149 in student loan debt and in January wrote a list…
Welcome to my December 2018 student loan debt progress! If you are new here, every month, I post the progress I’ve made on paying off my student loans. I do this to hold myself accountable and to share my debt progress with others who are also facing debt payments of their own. Debt paid this month: $4,000 Debt remaining: $88,927 I also house every month’s debt progress from the very beginning here if you want to check out the progress…
If you know what Nelnet is, most likely Nelnet has been assigned to you as your student loan servicer. Maybe you are still in college, getting your first student loan disbursement or maybe you are already well on your way into paying down your student loans. Either way, you’ve come to the right place. Nelnet has served as my student loan servicer since 2010. I started making regular payments in 2017 so I have roughly 8 years of experience with…
Welcome to my November 2018 student loan debt progress! If you are new here, every month, I post the progress I’ve made on paying off my student loans. I do this to hold myself accountable and to share my debt progress with others who are also facing debt payments of their own. Debt paid this month: $1,500 Debt remaining: $92,796 I also house every month’s debt progress from the very beginning here if you want to check out the progress so far. November was…
I’m a procrastinator. There. I’ve said it. So now that we’ve gotten that out of the way, where to start? I haven’t posted since September and haven’t done a Debt Progress roundup since August. So to cut things short, I’ll combine my September and October Debt Progress into this one post. I will also discuss where I’ve been putting my money since you’ll see that I’ve made less than stellar progress on paying my student loans. Lastly, I’ll discuss my…
We’ve all heard it before. The first step to saving money is budgeting. But how do we start budgeting when we’re bombarded by so many budgeting methods that people swear is the “right” one? I’ll admit it. I don’t keep a strict budget. I use the app Mint to track my spending and my idea of budgeting used to consist of keeping some categories that I can actually control like eating out and shopping down. But as I started diving into…
Welcome to my August 2018 student loan debt progress! If you are new here, every month, I post the progress I’ve made on paying off my student loans. I do this to hold myself accountable and to share my debt progress with others who are also facing debt payments of their own. Debt paid this month: $2,000 Debt remaining: $96,171 Check out my debt progress so far from the very beginning here. FYI: I am on the REPAYE program which…
Investing vs paying off debt. That’s a dilemma that many people paying off debt face. And that is the exact dilemma I am currently facing. Since I started my debt repayment journey, I knew that once I got my six-figure debt down to under $100,000 (which I’ve now accomplished), I would reassess my aggressive debt payment strategy for alternatives such as saving for a home or investing. I made a New Year’s resolution of getting my debt down to $100,000 by…