I have to admit, over the last 2 months, I had seriously considered stopping payments on my student loans. I can make excuses all night long but at the end of the day, I was simply losing the motivation to pay off my debt. Since I’m on the REPAYE plan and just graduated last year while making almost no income, I have $0 per month minimum payment for the next 12 months. This means I am not obligated to make payments until…
The saying goes that there are two ways to get more money. You make more or you spend less. It sounds simple enough, but like most things in life, easier said than done right? The good news is, of these two options, there is one that is easier to tackle and that you can easily control. I am talking about spending less. Think about how hard it is to make more money. You either have to work more hours at…
When I first entered college at the ripe age of 18, I only had one debit card that my mom insisted on making for me in middle school. Fast forward to 2018, I am now the owner of 3 credit cards, 2 debit cards, and 14 student loans from multiple lenders which can make it hard to keep up with each and every one of them. After years of experimenting, I have finally found how to manage my finances in one place…