Our Debt Free Family

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The Things We Do For Family

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things we do for family

In the last personal update on the blog I talked about taking breaks and how important that is. I took a weekend off back in July and it was great. Since then, life has been way more hectic and, guess what? I haven’t had a break since, mostly due to the things we do for family.

What Are The Things We Do For Family?

For everyone, familial relationships can be different. The things we will do for family members and close friends vary widely. Some people are very close with their families and they are a priority in their lives. For others, family doesn’t play as important of a role. My family has always been extremely close and when someone needs something, one of us comes to the aid of others. In some cases, the whole family is needed to put their heads together to resolve a situation.

About a month ago, I traveled to my home state, North Carolina, to help out with my grandmother. My whole family has taken some kind of time off for this matter, even my husband. Now, this weekend, we traveled even more: seven states, 17 hours in the car, and two plane flights. Ah, the things we do for family…

How Far Would You Go?

Everyone has their limits though. Not every family is as close as ours. Not every family gets along like we do and some relationships are just toxic to continue nourishing. When we set out on our journey to come home and help my family this weekend, it was a lot to ask but my husband and I didn’t think twice. We are exhausted, but we helped and did what we could.

Setting limits is important though. In the past, I’ve stretched myself too thin helping family members, especially where money is concerned. There have been times we gave our last $20 to another family member (seriously). Right now, for us, our boundary when it comes to helping out is money. We don’t have it to give currently. However, we are able to give our time and lend a helping hand when we can. Knowing your limits to how much you’re able to assist is important.

Conclusion

When it comes down to it, figuring out how important different relationships are in your life and determine boundaries. You can stretch yourself too thin, but if you define where your lines are and how far you’re willing to go to help you will save yourself a lot of hurt and trouble.

We will be headed back home today after 5 days of running around to help family. We are exhausted and have a lot to do when we return, but it was worth it and it always will be. If we are able, we will always go the extra mile for those we care about.

Readers, what are your feelings when it comes to helping family? Where do you draw the line?

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5 Motivational Hacks to Pay Off Debt

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When you decide to take your debt-journey seriously, you might feel a burst of energy and motivation. You’re ready to slay your debt. Unfortunately, that motivation doesn’t last long. I know, because I paid off debt for many years. Over the course of nine years, I paid off $81,000 in student loans. I only got serious about it after graduating from New York University, when I still had $68,000 — which I paid off in 4.5 years. In order to do that, I had to make four-figure payments for years. When you can’t pay off debt quickly because your balance is so large, debt fatigue can creep in. Here are five motivational hacks to help you pay off debt. 

1. Write your debt number on a post-it

Paying off debt requires you to shift your behavior as well as your mindset. In order to do that, you need to keep your debt top-of-mind. You can’t just rely on willpower or motivation. You need to rely on discipline as well as gentle reminders. 

One hack that worked for me was to put my debt balance on a post-it. I took that post-it and put it on my credit card. So every time I wanted to spend money, I’d see the balance looking back at me. At that moment, I had to ask myself if the purchase was really worth it. This hack kept me from making mindless purchases and kept me going because I was so determined to see that number go down! 

2. Make a debt-free dream list

Debt fatigue is difficult to deal with because you’re so over paying off debt. One thing that kept me going when I wanted to give up was creating a “debt-free dream list”. On that list, I wrote down all of my dreams and things I wanted in my debt-free life. 

I wrote down that I wanted to be self-employed, move back to LA, get cats, and take my mom to Italy. At the time, I was living in Portland, Oregon and the weather didn’t agree with me but I knew I needed to stay to take advantage of the low-cost of living. 

I was also desperate for my own cats and to have more adventures. But I went back to being disciplined and knew that a little bit of hard work now would mean an easier life later when I was older. 

Do you want to be a younger person in debt or an older person in debt? I think you know the answer. So for me, I sacrificed and hustled for years and kept in mind all of the things I would have and pursue once I was debt-free and had a positive net worth. 

You can create your own debt-free dream list by thinking about all the things you will do or items you will buy once your debt is completely gone. 

3. Use Pinterest/Instagram to motivate you

Writing down your debt-free dream list is one way to state what you want. But to take it to the next level, you can use Pinterest to motivate you. Create a board that showcases images and articles that keep you going. 

You can also use Instagram to motivate you too. Only follow accounts related to your dream. Use the ‘save post’ function to create a gallery of images that support your debt-free dream list. Instead of using social media to be tempted by ads or getting FOMO, you can curate your own feed to help you reach your debt-free dream list and keep going when times are hard and motivation is lacking. 

4. Make yourself accountable

I started my blog DearDebt.com to write about my journey paying off debt. Every month, I’d write a recap on the side hustles I did as well as how much I paid off in debt that month. The blog was a wonderful accountability tool that helped me pay off debt. 

You can make yourself accountable by starting a blog. Think that’s too much? Create a microblog on Instagram and search #debtfreecommunity. You can also find a friend you can connect with who also wants to pay off debt and set up regular intervals to check in. 

Having external accountability can help you maintain progress. You want to show up, not disappoint the other person, and cheer each other on. Find what works for you while striving to be consistent. 

5. Try these different methods to pay off debt 

If you research ways to pay off debt, it’s likely you’ve come across two common ways to pay off debt. 

  1. Debt avalanche
  2. Debt snowball

Both require you to pay the minimum on all of your loans but states you should put your extra money toward the highest interest rate (avalanche) or the lowest balance (snowball). The snowball method is very popular and can be a good option as it boosts motivation as you pay down small balances. The avalanche method can save you money on interest, which could mean paying off debt even faster. 

You can use this FREE tool from Undebt.it. They provide a mobile-friendly snowball/avalanche calculator app to help you live debt free. The payment is easy-to-follow so you can finally eliminate your debt!

Two other options that I shared in my book Dear Debt, are about engaging your emotions to help you pay off debt. One option is to pay off the debt that makes you angry. Maybe you have debt from a divorce or got scammed by a friend and it makes you mad. Anger is typically not a great emotion and doesn’t help move you forward. But if you channel that into debt repayment, it could fuel your journey. 

The other option is to pay off the debt that will offer the most peace of mind. If you have a loan from a family member that is causing tension or a credit card bill that keeps you up at night, preventing you from having good sleep, pay that off first. 

Paying off debt is an emotional process and these are two ways to hack your emotions in your favor rather than fall in despair. 

Pay off debt now 

Paying off debt is never easy. It takes a toll on your emotional and financial life and maybe even your relationships, too. That’s why it’s important to do whatever you can to get out of debt ASAP and hack your motivation so you can keep going.

Melanie Lockert is a freelance writer, public speaker, event organizer, and founder of the blog “Dear Debt” — where she shared how she paid off a total of $81,000 in student loan debt. Her work has appeared in Allure, Business Insider, Huffington Post, and more.

It’s Okay to Call It Quits

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call it quits

If you have been following the blog, you know our move to Atlanta has been less-than-kind to us. From the job we moved here for going out of business to relocating again within the city to the craziness going on everywhere in the world, our fight-or-flight instinct is kicking in and everything in us is saying flight.

What Now?

That being said, we’ve decided to move again to somewhere cheaper and somewhere that has been calling to us for a while: The great state of Tennessee.

We’ve made it a personal goal to be moved by the end of the year. Currently, Chattanooga is looking like the top pick, though we have looked farther north in Eastern Tennessee as well. After doing some research, the cost-of-living there is much less and our taxes will be lower there, with us both being self-employed.

On top of that, the move all-around will buy us some happiness. We have always loved Tennessee and the mountains. Not to mention, we would be able to leave Atlanta behind and truly get a fresh start, with better financial prospects on the horizons (seriously, at least $400 in savings in rent per month alone). At the same time, we will only be about an hour and a half from our new friends here in the city.

It’s Okay to Call It Quits

I’m not going to say calling it quits doesn’t suck in some ways. It definitely does. We moved here in March of last year with stars in our eyes, thinking Atlanta would be life-changing for us and bring new opportunities. It just hasn’t been what we thought it would be or what we needed it to be.

You know what? That is okay.

What isn’t okay is continuing on in a place and mental space where you are mentally drained constantly. So, if your sanity relies on it, and (in our case) your finances also benefit from it, it is okay to call it quits. You aren’t a failure. This experience, place, thing, plan wasn’t for you.

Lessons Learned

Before we do move, we have discussed some overall lessons learned from this…

  • Don’t move anywhere that you’ve never spent time. At least go check it out for a weekend before making the decision.
  • Just because you can afford it doesn’t mean you should do it. This is especially the case with housing – we are overspending in Atlanta in a huge way.
  • Don’t be afraid to say no and also don’t feel like you owe anything to anyone. A lot of our problems here in Atlanta were due to us giving loyalty to people that didn’t deserve it.

Final Thoughts

This can be a hard thing to swallow, especially when you have put a lot of time and effort into making something work. However, it applies to just about everything in life: relationships, jobs, situations. It doesn’t make you a quitter or a failure. It means you know you want something different.

One thing we are both looking forward to is what this move will mean for us in terms of our debt freedom journey. I can’t wait to keep you updated on preparation for the move and how we continue to tackle our debt in the months to come.

Readers, have you ever moved to improve your lives financially or otherwise?

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Examining My Own Bad Money Habits

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bad money habits

We don’t have any huge debt freedom progress to share this month, and we probably won’t make more than the minimum payments for a while due to COVID-related money struggles. However, all of this has forced us to take a look at some of our bad money habits. While we have made strides towards our goal of being debt-free, we are still doing a lot of things to set us back.

How to Audit Your Money Habits

Examining your finances, or performing a financial audit, is no fun task. Unfortunately, most things with money aren’t all that fun. Thankfully, there are a few things you can do to set yourself up for success and get on track to addressing your bad money habits.

  1. First, set a time to perform the financial audit and put it on the calendar. Pick out a day and time where you truly have no other obligations so you can place your entire focus on your finances.
  2. Be sure you are looking at all of your finances. An audit is not effective if you are only looking at bits and pieces.
  3. Identify your money habits and trends in your finances. Then decide what habits are holding you back from your financial goals.
  4. Reexamine your expenses and see if there are any things you can cut from your budget. You may find you are overspending on items and services you don’t even use anymore.
  5. Come up with a plan for improving your financial situation and cutting those bad habits.

Our Bad Habits

So, we did that and WOW. I thought we were basically financially responsible, but after taking a closer look at our finances there were a lot of things that surprised me.

For instance, we spend about $100 per week on groceries. That only includes the big weekly shopping trip though. After taking a closer look, we stop at the store multiple times throughout the week and may even eat out, pumping that number up closer to $200 a week. For two people, that is INSANE.

Amazon also gets way too much of our money. Not only are we paying them for multiple subscription services, but we also order just about every little thing we might need from there. Sometimes we are even buying stuff we don’t even need simply because we are on the site looking at other things (ugh).

What Next

Once we sat down and talked about these things, we were both stunned by the fact that we were actually spending that much without knowing it. We’ve decided to move forward with a bit more strict budget and much less Amazon (and food).

Our first step is going to be clipping any unnecessary or unused subscription services through Amazon. To fix our food issue, we are considering looking into some food subscription services to help encourage us to eat food from home rather than eating out.

These will be the next steps for our family, but deciding what bad money habits you want to ditch will likely look very different. Remember, at the end of the day, a financial audit is only part of managing your finances. You also need a budget and a clear financial plan in place to reach your goals.

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How Refinancing Impacts Your Debt-Free Goals

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refinancing

Mortgage rates are going down pretty steadily amidst the pandemic. Because of this, many people are looking into refinancing their home loans. Like any other loan you take out, refinancing will have an impact on your debt-free journey, and it can be a good or a bad thing.

What Does Refinancing Mean?

To refinance something simply means to finance it again. This is done by starting a new loan, usually with a lower interest rate. Refinancing loans are typically for auto and mortgage loans, but it is possible to refinance any large loan you may have.

You may be thinking to yourself, “Wow, that sounds like a great idea, I could save so much money!” While it sounds really great, there are a few catches. You’ll need to weigh the pros and cons and thoroughly research your current loan and refinance offers.

How it Can Impact Your Debt Freedom Journey

Refinancing can be both good and bad when it comes to your debt freedom journey. In some cases, refinancing one of your loans may make it easier to reach other financial goals. If that is true for you, then, by all means, refinance!

Additionally, refinancing can help lower your interest rate (sometimes significantly). If refinancing your loan will drive that rate down, great. It is not worth refinancing if the rate drops less than 1% or 2% below your current rate. Regardless, it is still a good idea to try and pay it off in the same amount of time or less. Remember, your long-term goal is still to be totally free of your debt.

When You Definitely Should Not Refinance

While your reasons for refinancing may totally make sense, it isn’t the best option for everyone (or even a good one). Absolutely do not refinance if any of the following is true.

  • You are only refinancing for a lower monthly payment.
  • If refinancing is a way of consolidating debt for you, don’t do it. This can be a huge financial mistake! It perpetuates how much you rely on debt for everyday living and can cost you in the long-run.
  • You are planning on selling the home (or car) soon. It doesn’t make sense to refinance.
  • If your credit is bad, don’t refinance. You won’t qualify for lower rates.
  • You are unable to pay the closing costs of the refinance (for homes). This is usually between 3% and 6% of the loan amount.
  • The loan terms make your loan payment time longer. For instance, if you have paid on your 30-year mortgage for 10 years it wouldn’t make sense to refinance for another 30 years. That only makes it so you’re paying longer.

When it boils down to it if you are interested in refinancing you need to be sure you are doing it at the right time for the right reasons. Do your research and be sure it is the best decision for your financial goals.

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Taking a Break is Necessary

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taking a break

The world has been a crazy place and, while not much changed about my day-to-day life, I’m feeling it! Over the past few weeks, I’ve felt myself getting more lethargic and apathetic about, well, just about everything. Plainly, I’ve been depressed. This can impact my career, my finances, and my health. For that reason, I’m taking a break this weekend from worrying about any of it.

Why You May Need a Break

There are plenty of reasons you may feel you need a break, whether it be from all of your responsibilities or just your debt freedom journey. First off, sometimes you just burn out. Life is busy and there are moments it seems to be going a million miles a minute. It is okay to take a breather.

If you find yourself getting overwhelmed really easily, it is a sign of anxiety and, guess what? It is time to take a break. Even the thought of taking time off may be overwhelming to you, but that means you need it even more. Pay attention to how you are handling stress. It is important!

You may think about taking a break if you need to reassess your goals too. If your end-game has changed, take a minute to unplug, regroup, and reattack your goals with a new and improved attitude. It is amazing what a little break can do!

How I’m Taking a Break

I’m not taking any crazy amount of time off (three days), but I am getting away from the apartment and have plans to see some people very close to me. I will be away two days and home for one to recharge before returning to “regular life.”

This unplug includes unplugging from my responsibilities here at home, worrying about money, and fretting about anything in general. For three days, all I’ll be concerned about it what I want to do and eat.

Final Thoughts

Pay attention to your body and how you’re feeling mentally. If you feel like you need a break, take one. A break can include anything from a weekend away to a day off for yourself. Whatever your version of making time for yourself is, do it.

Taking a break does not make you lazy. It makes you self-aware. You are in tune with your own personal needs and, sometimes, that is more important than any financial goal!

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We Are Officially Credit Card Debt Free!

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credit card debt free

COVID-19 definitely put a damper on our family’s debt freedom journey (at first). However, my husband has since gotten a new job and we encountered some windfalls that have allowed us to pick up some of the slack and refocus on our debt-free goals. Now, (insert trumpets) we are credit card debt free!

Being Credit Card Debt Free

Prior to this, we had about $2,000 in total credit card debt. We only had about $500 left to pay off though. So, once we got a windfall, we paid off the last account balance of $498.21, and just like that, we are free of credit cards once and for all.

Honestly, it feels pretty weird! I know it will take of lot of dedication to continue being credit card free. Now, we are one step closer to financial freedom and the ability to put that money towards other debts.

What’s Next

And that is exactly what we have planned next!

Because we no longer have credit card debt to pay off, we are going to refocus that money on paying off the tool loans, the car loan, and student loans. To do this, we are going to focus on them in this order…

  • Tool loans – roughly $10,000 owed
  • Car loan – $19,216 owed
  • Student loans – $24,185 owed

Once these things are severely paid down, we will focus on paying off tax debt and getting any other financial needs situated. Now, you’re thinking, how long will this take?

I’m hopeful it will take us between two and three years to be debt-free. The plan is to add some additional funding to our emergency savings over the summer and then attack our debt full-on. Every extra penny we have will go towards paying off each of these accounts (in that order). Any windfalls, such as cash gifts, bonuses, and over time will also go towards debt repayment.

Once we are debt-free, we will be looking to buy a home. Initially, that will be more debt, but because we are going to be financially free, it will be easy to swiftly pay the house off. Being credit card debt free has us both optimistic and thinking about our debt-free future! Readers, how did you feel after paying off all of your credit card debt? 

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5 Things to Avoid to Live Debt-Free

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Live debt-free

Reaching financial freedom is far from easy. Only 29% of Americans consider themselves to be financially healthy. Once you obtain debt freedom, you want to be able to stay there. So, there are several things you’ll want to avoid to live debt-free.

1. Budgeting is Always Crucial to Your Financial Health

You had to budget to get out of debt. That doesn’t stop just because you no longer have creditors to pay off. In fact, budgeting is even more important once you’ve paid everything off. If you don’t set a budget you run the risk of racking up debt again if an emergency arises.

Remember that your budget needs to be 100% cash. Don’t consider your credit cards or any other form of money spendable.

2. Overspending is a No-No If You Want to Live Debt-Free

That directly ties into overspending. If you start considering the money available on credit lines to be spendable, it is more likely you’ll restart the cycle of debt in your life. You certainly don’t want that after all of your hard work to get where you are.

Instead, plan for bigger purchases and save up for what you want. You should also have a set budget for recurring expenses and other plans. Don’t deviate from that budget.

3. Don’t Stop Saving Your Money

Saving money isn’t just important during your debt freedom journey either. As mentioned in the point above, it is important to save money for large purchases and planned expenses. However, it is also always a good idea to keep money saved.

Having an emergency savings fund will keep you from tapping into credit lines if something comes up. Additionally, saving money can help you secure your financial future and ensure you’ll be able to retire someday.

4. Giving Up on Investing Isn’t an Option

When it comes to saving for retirement, you should also continue to invest while you live debt-free. Even though you may not have as much cash flow or you may be tempted to spend cash, it is a good idea to invest in a diversified portfolio.

Not only will this allow for you to have financial freedom throughout the rest of your life but it can help you expand your current finances. Avoid being afraid of the stock market once you’ve paid off your debts.

5. Neglecting Insurance Will Cost You

Renter’s insurance, homeowners insurance, car insurance, and health insurance. Purchasing coverage is important to protect your finances. In the event of an accident or emergency, these policies can help you avoid racking up debt.

Even though the monthly cost of insurance may seem like a pain, it can help you replace damaged items, restore your health, and protect your belongings. Without it, it is easy to swipe your credit card. Insurance is crucial if you want to live debt-free.

Readers, what else would you add to the list? How do you live debt-free?

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Debt-Free and Bored: How to Manage Life After Debt Freedom

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debt-free and bored

If you’re like me, you are probably still daydreaming about what it might be like to be debt-free. Surprisingly, many of the people I chat with once they reach financial freedom find it a bit boring. So, here are a few things to consider if you’re debt-free and bored already.

What it Means to be Debt-Free and Bored

You may be thinking, “how can you be bored with being debt-free,” but it is possible! The road to debt freedom is anything but boring. So, once you pay everything off, some individuals find themselves wondering, what next?

Many people actually slip back into debt at this point (almost like they are looking for a financial challenge). They’ll begin doing things they never would have done before paying things off. So, why now?

Well, financial freedom is very freeing but it also removes structure from your finances in some cases. If you were sitting down and budgeting to pay off debt, you knew where everything is going and typically have a few problems to solve. But, once you’re debt-free, things can get a little boring after a while. What’s next?

Things To Do

If you want to stay debt-free without boredom though, it can be difficult. There are so many things out there tempting you to swipe a credit card or take out a loan on. Here are a few things you can do if you find yourself debt-free and bored…

  1. Plan something you have to save for. Whether it is a vacation or a new car, you can always find something exciting to save up for. If not having a new financial issue to solve is the problem, finding a reason to save can help with your boredom.
  2. Take on DIY projects. Homeowners can take advantage of the freed-up cash they have from paying off their debts to make some improvements around their home. Put in that dream bathtub you’ve always wanted or re-do the kitchen. It’ll keep you busy and you’re putting money back into your real estate investment.
  3. Invest. Generally, once you’ve paid off your debt, you can start looking at different ways to invest. Be sure you’re maxing out your retirement contributions. Then, think about looking into other places to invest. The stock market can be an exciting place if you’re feeling bored.
  4. Bet on yourself. Maybe you’ve always wanted to quit your job and travel or start your own business. Without any debt attached to your name, you can bet on yourself. Take the extra cash you have and put it towards your next adventure, whatever it may be.
  5. Donate. Now that you can, donate some of your money to good causes. Take time out of your day to volunteer.
  6. Find new challenges. Just look for something else to challenge you financially. For some people, this may mean becoming active in the stock market. Others may look into peer-to-peer lending or different ways to expand their cash. Look for something that interests you.

I’m still working towards my own debt freedom goals, but thinking about a day where I might be “debt-free and bored” is exciting to me. Debt-free readers, what have you done to maintain your financial freedom?

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Picking and Choosing What to Pay During the COVID-19 Pandemic

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COVID-19 pandemic

Jobless claims in the United States have reached more than 6.5 million as of last week due to layoffs amid the COVID-19 pandemic. Because of this, many people are falling behind on their bills, despite the stimulus package. In our home, our monthly income has been sliced in half, leaving us picking and choosing what bills get paid now.

Establishing a Financial Cushion

If you’ve been keeping up-to-date with our financial journey, you know we just recently established our $1,000 emergency fund (again). Well, due to my husband’s layoff, we needed to use a chunk of that to cover expenses of moving his tools and covering bills. After doing that in March, we are re-evaluating how we are going to tackle the COVID-19 pandemic financially.

Initially, I was just going to maintain all of my payments across the board, but that leaves us essentially paycheck-to-paycheck (which is a little iffy in the current environment). However, after seeing our EF drained, I reconsidered that and decided to take a break from 2 larger monthly payments just to refund our emergency savings. Having cash saved and on-hand right now would provide our household with some peace of mind.

That being said, my student loan is under forbearance until September and my car company is giving me a three-month break from payments. This will allow us to bank $768 each month for the next three months, which will be a nice emergency savings fund.

Consider What You Need

For us, having that buffer cash on hand is going to be key in keeping us financially stress-free during this time. Believe me, the last thing you want to do is to be stuck in the house with your spouse fighting about money. You may be thinking, “well, we HAVE to make payments on the credit card, car, etc.” That may not be entirely true.

Many companies are offering breaks on payments or lower payments in order to help individuals impacted by the coronavirus outbreak. Call and discuss your options with each business. Get your bills as low as possible.

If your available cash still doesn’t cover what’s due, consider what you need. Tiffany Aliche, aka the Budgetnista, told NPR in an interview, “then I would ask myself, is this something that I must pay for because I have to maintain my health and my safety? That comes first and foremost.”

So, if it doesn’t pertain to your health and safety right now and you don’t have it, take a breath. It is important to remember what you do and do not control at a time like this.

Putting Plans on Hold

COVID-19 pandemic

This photo will be us for a while: at home. Unfortunately, many of our plans have been put on hold, postponed, or canceled for the next few months. It is not yet clear whether some events will be refunded or not (I wish!).

We’ve put plans to visit home (Charlotte) on hold indefinitely. Hopefully, by mid-May, we can decide on a solid date to re-plan that trip. On top of that, just about everything else has been postponed or canceled in some form. This will likely help save us money and, in the long run, staying home will too.

Finding Ways to Stay Busy at Home

I’ve thankfully been able to continue working because I’ve worked remotely for more than five years. That isn’t to say being indoors isn’t driving us a little crazy! We have been able to find ways to stay busy though.

COVID-19 pandemic

I, for one, have been cooking a LOT. We recently discovered Sam the Cooking Guy on YouTube and his videos have me looking in my pantry to see what I have and what I can make. Here’s one of his quarantine recipes…

In addition to cooking, we’ve also been taking Enzo on a lot of walks (and he certainly isn’t complaining). Remember, you can still get some fresh air. Just avoid contact with people and if you can wear a mask!

COVID-19 pandemic

When we aren’t doing those two things, I’m fully reaping the benefits of some of our subscription services. Amazon has a plethora of free Audible books, Kindle reads, and things to watch right now. I’ve listened to about six books in the past week and a half (ha!).

No matter what you do to keep busy, it is important to stay inside and stay healthy. Remember, you have options when it comes to your finances. The most important thing is your health. Stay well. 

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