Category «Personal Finance»

Graduates Without Debt

Graduates Without Debt

Fortunately, not every student graduates from college with debt on their shoulders.  Whether your parents paid for your education, you worked your way through school, or you received scholarship or state assistance, if you were fortunate enough to graduate without debt I hope you know you are very blessed! You are missing out on a …

The Envelope System 5

Envelope System

One area of my mission to become debt-free that I’ve been struggling with is the oh so important envelope system.  The envelope system is really simple, after you make your budget for the month you get use cash to pay for all of your expenses that don’t already have auto-pay set up. For example, if …

Building Your Emergency Fund

Emergency Fund

Murphy’s Law: Anything that can go wrong will go wrong.” Yikes, this Murphy guy was a pessimistic cat! But there is a great deal of truth to his law.  The best financial action you can take to prepare for rainy days is a solid emergency fund.  An emergency fund not only provides you with a …

No Shopping for 1 Year Challenge! 2

No Shopping

Y’all know I love me some goals.  In this weeks edition of what can I deprive myself of for the betterment of my future, I’ve decided it will be a fantastic idea to give up clothes shopping for a full year.  To be more specific, “clothes” does include shoes and accessories. Full disclosure: I absolutely …

Financial Guilt Trips

Financial Guilt Trips

I recently spoke to a friend who is having trouble dealing with family members that pester him for money. From what he’s expressed to me, it really seems as though his family feels entitled to his money and his success because they helped him pay for his education. Topics like this make my stomach turn and …

Why I Turned the Job Down

Turned the Job Down

On my quest to become debt free (and essentially live like a boss) I’ve been working part time jobs in addition to my full time job.  This is nothing new to me, I formed a habit of working multiples jobs while in college and now I feel like I’m being lazy if I’m not working …

The Baby Steps

Baby Steps

If you know me, you know I’m really serious about paying off my debt.  I sacrifice a lot in my day to day activities in order to reach this goal as quickly as possible.  Giving myself 3 years is a reasonable amount of time to pay off my remaining $62,000, but ideally I’d like to …

I Already Slipped Up 5

Already Slipped Up 5

We’re barely into 2013 and I’m already feeling like I’m not where I wanted to be on my 3G3Y goals.  First off, I’m supposed to be using the envelope system for purchases (will explain this in detail in later entry) and I’m usually pretty good not to overspend.  Well….I was having a mean craving for …

Why My Main Goal is to be Debt Free

My Main Goal

You have your whole life to pay off debt, why pay it all now? As you may know after reading my about page, I am on a 3G3Y journey to reach financial independence, create a business and embrace my natural beauty along the way.  I am extremely dedicated to each one of these goals but …

The Journey Officially Begins #3G3Y 10

Journey

It’s well into 2013 (take that Mayans) meaning my 3G3Y journey has officially begun.  Over the next 3 years I hope to drastically change the way I live my life for the better and pave the way for a successful future. Because I’m somewhat new 3 to this, and very new to you readers, I’m …