Monthly Archives: March 2015

STUDENT LOAN DEBTLESS!!!!!

March 31, 2015.  A date that will forever be remembered by me as the day that I am student loan debt FREE!

Commence the dancing!

98BbqFr excited-dance giphy (1)

After close to a decade of paying off those loans, it is time to CELEBRATE!!!!

Sorry, just had to brag for a moment!

Ang

5 Simple Ways To Start Getting Out Of Debt Now

After years of drowning in credit card debt and student loan debt, this gal started a blog 2 years ago in the hopes of chronically her journey to becoming debt free.

2 years later…

Well, shit!!!   I am still in debt but at least my head is finally above water enough to breathe again.  Ahhhhh.

Even though there is still a loooooong way to go for me to becoming debt free, my debt is dwindling little by little each month.  If you can relate to being in debt (which according to an article published by nerdwallet.com most of you can) I would like to share some simple things that YOU can do NOW (God, don’t you just love the power of capping specific words) in order to get out of debt sooner rather than later.

1.  Get Honest.

54a78aa40a160_-_cryyyyyy3

Though I am sure there is a more eloquent way of expressing this step, to put it simply this step sucks donkey balls.

Get honest with yourself.  Get honest with your partner if you share (or are planning to share) finances.  Find out how much you owe, to whom you owe it, and how much interest you are getting slapped with each month.

Yes, this means opening up that stack of mail you have been avoiding.

Yes, this means getting on the phone and trying to lower your interest rates.

Yes, this means being proactive about your money…or lack thereof.

2.  Put Those Credit Cards On Ice.

Credit-Card-in-Ice

Saw this trick in one of my fave guilty pleasure movies Confessions of a Shopaholic.  Any credit card you have in the house, freeze it.

Now.

If by chance you don’t heed my advice, think of it like this:  Credit cards are like the Kardashians.   Evil, vile things made of plastic that do more harm than good for the American public.

3.  Cut Off Your Cable.

giphy

This step sucks too, but only initially.

Do I miss my DVR?  On Demand?  Bravo?  Yes, yes, and sweet Jesus, YES!

By shutting off the cable, am I saving money?  Am I still breathing?  Did life continue to go on?  Yes, yes, and YES!

My husband and I shut off our cable last spring and we ended up saving an additional $70.00 a month.  That is an additional $840 a year we can put towards our debt.

With options like Netflix, hulu and youtube do any of us really need cable?

4.  Staying In To Eat.

ius5s

It is amazing to me how much it costs to go out to eat.  I didn’t realize it was an issue for our household until my husband and I had an epiphany a few summers ago.  We could not figure out where our money was going each month.  When I went back a few months to review our bank records (step 1, getting honest) I was shocked to learn that we had been spending an average of $1,000 a month on eating at restaurants and going to bars with friends!  Shocking and also embarrassing.  Now we try to prepare breakfast, lunch and dinner ourselves 85% of the time.  That extra money we save goes to extra payments on our debt.  You live and you learn.

5.  Start Now.

dublin-marathon

When it comes to getting out of debt, it is a marathon, not a sprint.  Unless of course you win the lottery, then getting debt free is a sprint.  A beautiful sprint that ends up with beachfront property in Maui, and with a pool that comes with a pool boy named Fernando with washboard abs and an ass you can bounce a quarter off of…errr…sorry, got off topic.

Where were we?  Oh yes, start getting debt free by making small changes in your everyday life.

If you go to Starbucks twice a week, change it to once a week.  Then cut it down to just a monthly visit.

If you make it a habit to routinely go out to dinner with friends/family and order an appetizer, an entree and a couple of cocktails, cut it down.  Opt for just an appetizer or entree and a water (alcohol is waaaaay more expensive at bars/restaurants, and people won’t judge you as much when you down a few drinks in the privacy of your own home).  Not only are you cutting down on the price BUT you are cutting down on calories too.  Win-win.

Instead of going to an expensive salon, try out a beauty school instead.  This past fall, I got a great haircut for $10!

Prioritize what your “wants” are vs. your “needs”.

You will be feeling like a baller as your debt gets smaller.

Thanks for reading!  Now go get honest with your bad self!

Ang

Also, don’t hesitate to like my facebook page and follow me on instagram!

Clean Eating Weeks 2 and 3

So weeks 2 and 3 of P and I’s 6 week clean eating challenge have come and gone.  We are both alive AND I am here to tell you it is not the end of the world if you cut alcohol, sweets and other junk out of your diet.  Boy, it sure seems like the end of the world though. Ugh.

As far as the scale goes, I have lost 6 pounds and P has lost…

18 pounds!!!

shocked

God I hate men!  Why is it so easy for them to lose weight?  Why?!?!

Let me just table my anger about the fact that life isn’t fair and focus on the positive changes I have noticed over the first few weeks.

  • Energy rising.  Like a phoenix from the ashes, I feel like a new lady when it comes to life.  Cooking more, cleaning more, and being nice to my husband…weird.  I feel like a 1950s housewife.  Just one that drops more F bombs.
  • Maybe she’s born with it.  tumblr_mf28lgwIkP1rlyreko1_500My skin feels better and looks better (thanks for noticing Channing). For the first time in I don’t know how long, I didn’t break out into my normal acne ridden face when Aunt Flo came to visit…weird.
  • Tapping into my genius.  If you read this blog even on a semi-regular basis, you know that I am a gal who LOVES mindless TV (i.e., Real Housewives of Insert Any City Here).  Over the last few weeks though, I have recently started watching documentaries and…wait for it…science shows…weird AND WTF!!watch-out-we-got-a-badass-over-here-meme

Yes, P misses his beer and I miss wine and chocolate and pizza and wine (had to list it twice since I miss it so much), but we feel good.  Is this what being sober feels like?

Here is hoping the next 3 weeks run as smooth as my baby soft skin!

Thanks for reading, and have a cocktail for me tonight!

Ang