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!

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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.

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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.

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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.

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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.

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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.

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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!!!

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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

Lean (or at least soon-to-be), mean, clean eating machine!

After returning home from Hawaii, the inevitable happened.  Sadness set in.  Of course I was devastated we had to leave paradise, but what I was most upset about was P and I’s pact.  We made a promise to one another that we would go crazy in Hawaii and drink and eat whatever we wanted (and for 9 days and 8 nights that is exactly what we did…  think “Jersey Shore” but with thirtysomethings who know words with more than two syllables) BUT when we came back we would start a new healthy eating plan.

The plan kicks off with six weeks of:

Very little carbs

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No sweets

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And no booze

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Today is day 6 of said plan.

Days 1-3 were rough.  Started on Saturday and spent most of my weekend on my back, in bed (and not in the good kind of way).  Withdrawals had definitely kicked in over the weekend.  Tired.  Oh so very tired while nursing a bad headache.

Days 4 and 5 were better.  Actually had the energy to get a quick workout in after work yesterday.  Yeah!

Day 6 is running much smoother.  Feeling MUCH more energetic!  I actually came home from work and actually accomplished…wait for it.…15 minutes of housework…whoo hoo!

Initially I was dreading this experiment, but now I’m looking forward to the next 5 weeks.

Couples that get healthy together also get hotter together. Right?!?!

Fast forward to 6 months of this clean eating thing and P and I could look like this:

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Or not…but at least we will be healthier.  Turning more into hot potatoes than couch potatoes.

Thanks for reading!  If any of you have any tips or advice for getting through this let me know.

Ang

I’m also documenting the 6 week jumpstart on Instagram if you want to tag along.

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An Island State Of Mind

Just returned to the mainland after spending eight beautiful days in Hawaii for the first time (which I will blog about soon).  My body is slowly recuperating from mai taing one on…and on…and on.  My pocket book and liver are reeling from a week of absolute gluttony, but the one positive thing I am feeling is an appreciation for the island life.

A life more stripped down and simplistic.  More easy and breezy where everyone moves at a much slower pace.

I think I brought back the best two souvenirs money can’t buy from Maui:  a calmer state of mind and an appreciation for living in the moment.

Mahalo for reading!

Ang

Ringing in the new year with new debt

We are only into the new year by two weeks and this house is already into another several thousand dollars worth of debt.

Here is how it happened.

P wanted a plasma TV.  According to P, plasmas were endangered and quickly heading into extinction which meant we had to get one “NOW!  NOW!  NOW!”

I looked deeply into his eyes and told him that we didn’t have the money set aside for a plasma TV, and we already have two TVs so we don’t need a third.  I offered him sex if he agreed with me.

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He did.

Then the next morning…

P and I carpooled to work and he brought up the plasma AGAIN.  I thought we put this thing to bed (if you know what I mean, *wink* *wink*).  P and I went back and forth.  Since he has way more energy than me when it comes to fighting, I just said “whatever you want to do”.

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What my baby wants my baby gets because my baby now has a new plasma TV in our living room.

With the new TV came a new problem.  Our TV stand we currently had couldn’t hold the weight of our new TV.  So now our new plasma TV is now placed atop a new entertainment center.

Then for shits and giggles we decided to look for sectionals.  After all, we couldn’t enjoy the new TV on the new entertainment center with our current “old” couches.  So now our living room is filled with a brand new sectional to enjoy the new plasma TV placed ever so beautifully on our new entertainment center.tumblr_mbg0bv8sn31qjj0j1o1_500

I guess when all else fails it is at least material for my blog!

Ang

New Year, New Frugoals!

Happy 2015 everyone!!!!  I haven’t looked out the window yet, but I will be sorely disappointed if it doesn’t look anything like the 2015 featured in Back To The Future II.

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Damn!  Hate to spoil it for everyone but just stepped outside and there are no teens riding hoverboards in my neighborhood.

Bummer.

It is always so refreshing to start a new year.  It is like taking a bath after you have accumulated 365 days worth of stench. January 1 we all wake up fresh as a daisy and ready to bring IT the next 365 days.  I have lots of goals (both of the personal, professional and of course, frugoal variety).

I don’t want to lose a specific amount of weight.  I WILL get healthier.

I don’t want life to happen to me in 2015.  I WILL make life happen.

I don’t want to hit a certain number of blog hits or reach “X” amount of followers.  I WILL continue writing and knowing that this blog fills my soul with nothing but pure happiness.

I don’t want to focus on the fact I won’t be out of debt in 2015.  I WILL keep climbing out of debt a dollar at a time.

I don’t want to dwell on negative things from the past or negative thoughts about the future.  I WILL experience life day by day and know that happiness is as simple as appreciation for the moment that you are in.

With all that sappiness laid out on the table what are your goals for this year?

Thanks for spending part of your new year with me!

Ang

Sunday Quotes: The Child Within

Good Sunday Morning to you all!

Anyone else out there feel a little lost?  I definitely feel like I am lacking some focus and direction in my life.  The last time I felt this lost was over 10 years ago when my heart got broken for the very first time.  After what felt like years (but in all actuality was only weeks) of feeling depressed and very alone, I stumbled into a book store which had some self-help (*shudder*) books about depression and rediscovering your child within.  In one of many moments of weakness during that period of time, I bought it.  And do you want to know something?  Surprisingly, the book actually helped.  After reading it, I realized that as children we just keep it simple.  We play, we explore, we try everything and we most definitely live in the moment!  There is nothing more confident and honest than the mind of a child.

Then life happens.

Doubt happens.

Rejection happens.

Failure happens.

Heartbreak happens.

The child within us gets smaller and smaller and that child’s voice turns into merely a whisper.

Needless to say the book I bought a decade ago actually helped me rediscover what I loved doing as a kid and to live in the moment more.  May need to dig that book back up again, dust it off and rediscover the child within.

Thanks all for reading!

Ang

How I feel during video game season!

My husband wishes he was single.  Well, at least “single” during every video game season.

You all have heard of football widows, but I am most definitely a video game widow.  Far Cry 4 is the latest obsession for P.  It’s ironic because while he is playing it I am crying from a distance for attention.

Ang

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