Our Debt Free Family

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Should You Take a Loan From Family to Pay Off Debt?

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loan from family

Being in debt is exhausting. So, when an opportunity arises to knock out a big chunk of it (or even all of it), it is hard to turn it down. If a family member or friend offers you a loan to pay off, you should think twice though. Taking a loan from family can sometimes be more harmful than helpful, even if it makes you debt-free.

Is it a Loan or a Gift?

First, before making the decision, determine if the money your family member is offering you is a loan or a gift. The best way to do this is simply asking, “do you expect this to be paid back” or “when do you need me to pay you back?”

How your family member responds to these questions can help you decipher if this is a gift or a loan. If it is a gift, by all means, take it and pay off your debt. Loans from family members, on the other hand, can add additional stress and, more often than not, leads to fighting.

Downfalls of Taking a Loan From Family

Before you take a loan from family, consider the following.

  • You aren’t learning anything. When it comes to the cycle of debt, you are not doing anything to improve your situation. Instead, you are borrowing even more money.
  • Finances can put a strain on any relationship. At the very least, borrowing money from someone is going to make things a little awkward, especially if you can’t pay it back. It is likely they will be examining every penny you spend before you do too.
  • What would happen if you couldn’t pay it back? Of course, you may start out with every intention of paying them back, but things can happen. The loss is much greater on an unpaid loan from a person than a financial institution.
  • There is a general lack of clarity with personal loans like these. You aren’t typically signing any paperwork and most family loans are agreed upon face-to-face in words. There is no way to track the agreement, increasing the risk of someone in the situation feeling wronged.
  • Tax issues may arise if it isn’t handled properly. Loans and gifts have different implications when it comes to taxes. Be sure that all parties involved are taking the steps for taking out a loan outlined by the IRS.

Potential Benefits

All of the above considered, taking a loan from family does have some perks. It is just determining whether or not these potential benefits outweigh the ways it could go wrong. That being said, you can benefit in a few ways if you’re willing to risk the downfalls.

  • You will save money on interest. Loans from family or friends don’t typically come with interest rates attached to them. In the long run, that will save you money.
  • Taking a loan from family can help you avoid predatory lenders. If you really need the money and are looking at high-interest loans anyway, taking the loan from family may be the better option.
  • There will likely be more flexibility in paying them back. Family and friends are more willing to work with you than banks will be. Just be sure you are honest and communicate with them.

Closing Thoughts

My one piece of advice for anyone considering this is to be sure you get everything down in writing. In the agreement include the following:

  • Parties of the loan
  • Amount borrowed
  • Interest rate (if applicable)
  • Repayment date
  • The monthly payment amount.

At the end of the day, I wouldn’t recommend taking a loan from friends or family. For me, I cherish those relationships in my life too much to add any financial stress to them. I can see the benefits of doing so though.

Readers, have you taken a loan from family before? Was it a good decision?

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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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How Coronavirus is Impacting Our Debt Freedom Journey

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coronavirus debt

Over the past month or so, the world has gotten pretty crazy. Most people aren’t leaving their homes and tens of thousands of people have died due to the coronavirus outbreak. Because of stay-at-home orders and businesses suffering, many people have also been laid off. This includes my husband. So, needless to say, there are some changes happening to our debt freedom journey (again).

Our Update

Coronavirus debt

This photo depicts how we are feeling about being stuck in the house (but seriously).

Besides going a little stir crazy being inside, there has also been a profound financial impact on our family, and many others. We are lucky enough to have one of us still working and we are able to get by on that, thankfully. However, my husband being out of work again is going to put a little damper on our bet freedom progress.

We will only be able to make minimum payments over the next few months. I have also chosen to take a forbearance on my student loans during this time to help ease financial stress in our home.

But, that’s honestly okay. We are both healthy, able to pay our bills, and staying at home a little more may help us save a bit, eh?

Small Win

One small financial win we had in March is we paid off an account, which will free up about $106 per month. For now, we will bank that extra cash to re-establish some additional emergency savings.

We’re in This Together

Thankfully, the impact on us is minimal compared to how others are being affected. We will recover from this fairly easily, even though it will put a damper on any big debt payoff progress.

I think the biggest thing to remember for everyone right now is you aren’t going through this alone. Everyone in the world is dealing with this. Hopefully, when all is said and done, it will bring the people of the world a little closer together.

Readers, how have your finances been impacted by the coronavirus outbreak? How are you dealing with it? 

If you need financial help at this time, the government is putting together programs to assist individuals with recovering from the pandemic. Read more about the CARES Act on SavingAdvice.com.

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10 Frugal Date Ideas for Valentine’s Day

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frugal date ideas

Part of being on a debt-free journey means finding ways to cut costs and spend less. With Valentine’s Day coming up, my hubby and I are brainstorming ways to celebrate. Here are a few frugal date ideas we’ve come up with.

Frugal Date Ideas for Every Couple

We both have trouble not spending money on each other. When we have extra cash, we love buying one another gifts and treating each other to something special. However, this can cause serious budgeting issues. Because of this, we’ve had to get a little creative to save money.

1. Make Pizzas at Home

Something my husband and I love to do is make pizza at home for date night. It only takes about 25 minutes and keeps you from spending too much eating out or ordering in. Plus, we have a great recipe that keeps costs low too.

For the dough: 

  • 1/2 cup of greek yogurt
  • 2/3 cup of self-rising flour

Mix these together to form pizza dough (it makes a single-serve pizza). Roll the dough out on a floured pan and bake at 400 for 10 minutes. Take the baked dough out of the oven, add sauce and your desired toppings. Put the pizza back in for an additional 15 minutes.

2. Pillow Fort Movie Night

Because we are kids at heart, we still enjoy a good pillow fort. The best thing about that is it literally costs nothing. We also have Amazon Prime and other subscriptions that don’t cost us anything extra. So, we can pitch our pillow fort, curl up and watch a new movie or binge a TV series. Super cheap and so much fun!

3. Play Games

Both my husband and I love to play cards. We also own several video games we can play together. Find a game you both enjoy, buy it (and some snacks) and just play around for the evening. If you’re competitive with each other, like we are, you can even hold small tournaments. It can be great fun.

4. Go Hiking

I love going for a good hike or a nice walk. Grab your significant other and head outside. Walk around your neighborhood, drive to the park, or find a nearby trail to hike. It is a great way to spend time together and chat.

5. Get Ice Cream

Ice cream is personally a favorite treat of mine. If you live close to a creamery, set out on a walk for some ice cream. You can also hop in the car and grab a sundae to split. Either way, ice cream is a delicious and frugal date.

6. Find a View and Enjoy it Together

This is one of my favorite frugal date ideas and something we do on a regular basis. Normally, we grab food at a drive-thru (usually super cheap) and drive somewhere with a great view. We eat together in the car, listen to a podcast or show, talk, and enjoy our surroundings.

7. Head to the Dog Park

frugal date ideas

You all know we have a pup who loves going on walks and being social with other dogs. If you’re a dog lover too, consider heading to the dog park for a date. You and your partner can enjoy the company of all the dogs, get your pet some exercise, and meet other people. It is a fun date that you can do completely for free.

8. Have a Nerf Gun War

Nerf guns are fairly cheap and something you can keep around. Grab a pair of guns (and ammo) and stage a war in your home or outside. This is unbelievably fun and relatively cheap as far as dates go.

9. Scope Out Free Things in Your Area

Chances are, there is something free going on nearby. Look for festivals, fairs, museums, and free events to visit. You and your partner will be able to walk around the event, have fun, and spend little-to-no money.

10. Treat Each Other to Massages

Massage oil can be purchased fairly cheaply. All you need is that and a couple of candles to set the mood. Treating one another to massages can be romantic and give you a chance to talk to your spouse or significant other about their day.

Readers, do you have any fun frugal date ideas you enjoy on a regular basis? Share them with me in the comments. 

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Healthcare and Payment Options for the Uninsured

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payment options for the uninsured

I’ve chatted about being uninsured on the blog in the past. It can set you back if you wind up needing to go to the emergency room or require any other type of health care. For instance, last year I learned I’d need all four of my wisdom teeth out (they are still in my mouth as you read this). Many hospitals and doctor’s offices require upfront payment, but there are options for the uninsured.

Payment Options for the Uninsured

Believe it or not, there are multiple payment options for the uninsured. I’ve come across the following ways to help resolve your medical debt.

  1. Look into a Care Credit card. Although I typically wouldn’t suggest adding any debt to your personal finances, it can be a necessary evil, especially when it comes to your health. If there is an emergency and you truly don’t have the money, a Care Credit card can provide a remedy. Best of all, if you pay it off within the designated period, you won’t have to pay interest.
  2. When you get your bill, give the office a call. Any time I get a medical bill in the mail, I call the office to verify all of the information and set up a plan to pay it off. Most billing offices will set up a payment plan for you.
  3. Ask about an in-office payment option. Before you leave the doctor, chat with the reception desk about a payment plan right away. You may even be able to put some money towards your visit right away.

Ask About a Discount

If the payment options don’t quite fit your budget, ask about a discount for uninsured patients before you receive the doctor’s services. Sometimes they will give you a discount because you don’t have insurance.

During a recent visit to the ER here in Atlanta, I asked about this. They required a $250 copay for uninsured individuals. However, once I got my bill, I also saw that (because I was uninsured) a 70% discount was applied to my visit.

Consider Going to a Clinic

Another thing for uninsured people to consider is going to a clinic. Some clinics are privately owned and able to give people more of a break when it comes to the cost of their visit.

I went to a local clinic for an emergency allergic reaction a couple months ago. The visit cost $150 upfront and they offered treatment a-la-carte. I needed two steroid shots, which cost $80 each. If I had gone to the emergency room or doctor’s office, this would have likely cost more than $1,000. Instead, I paid cash day-of and didn’t have to worry about it after that.

Be Sure to Communicate With Bill Collectors

Lastly, when all is said and done, it is important to communicate with the billing offices. This goes for medical and non-medical bills. Getting on the phone with them and discussing your payment options or what you can do to resolve your bill will be the best thing you can do for yourself. If you don’t, it will wind up in collections and killing your credit in the long-run

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It’s Not Too Early to Start Prepping for the Holidays

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Prepping for the holidays

Two years ago, I got on the blog and talked a bit about people “Christmas shaming.” Most people moan and groan when you bring up Christmas before Thanksgiving, but in all reality, if you begin prepping for the holidays early it can prevent you from going into debt and help you save money. Here’s how we’re planning to spend the holidays and a piece of advice for getting ready for your own celebration.

Getting in Gear for a Busy Season

Before moving to Atlanta, we would typically travel or host holiday celebrations. Sometimes we’d go to Pennsylvania or Tennessee to visit family. Other times we’d host the holiday events at our home. Last year, we had Thanksgiving at our home and a Christmas celebration there as well. However, this year will be a bit different.

It is our first year away from home during the holidays together. We won’t likely be traveling anywhere to celebrate and our families won’t be traveling here. Instead, we will be starting some of our own traditions here in Georgia. Because I am a fan of establishing our own traditions and prepping for the holidays early, I’ve already begun brainstorming what we will do.

For Thanksgiving, my husband and I will be having a very small, intimate dinner at home. In place of purchasing a full-sized turkey, we will likely buy two small cornish hens. Of course, I’ll also cook up a few things to make sides and a yummy dessert. The total dinner should cost less than $25. We will also probably take the dog to the park and put up the Christmas tree that evening.

Christmas will be a little different. Instead of swapping gifts with everyone, we’ve decided to stay home and attempt to start our own fun holiday tradition. We will do Christmas presents for each other and send out a Christmas letter to our friends and family with a new photo of us and the dog. The letter and photos will cost less than $30 altogether. We will also have a yummy Christmas breakfast and likely a ham dinner on Christmas Eve. All in all, it will be extremely low-cost.

When Should You Start Prepping for the Holidays?

You’re reading this probably thinking, “why would you plan ahead for such a small celebration?” Well, planning ahead is what keeps my husband and me from racking up credit card debt around the holidays. We put caps on how much we will spend, plan out meals, and make things special by spending time with one another instead of placing value on items.

If you’re thinking you’ll spend a bit during the holidays, it is even more important to start prepping ahead of time. Not to mention, there have been studies to show that people who put up their Christmas tree earlier and prepare for the holiday are generally happier. They are also less likely to suffer from things like seasonal depression.

Forty-three percent of Americans begin decorating and preparing for Christmas before Thanksgiving week. You may even find planning ahead puts you in a better mood, overall. While it certainly isn’t necessary, it is a good idea to prep early to keep your finances and mood in check during the busiest time of year.

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Realizing We Need to Refocus on Different Things

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refocus

First, this week has been absolutely insane. Both my husband and I have been fairly busy with work. On top of that, we’ve been trying to get our diet and exercise routines back on track. (You know, meal prep and “adulting” stuff.) However, something that happened made us realize we needed to refocus and reconsider some of our financial goals.

Why We Need to Refocus

Of course, being financially free and debt-free is still our main goal, but this week it has become apparent that we also need to focus on making money available to pay for healthcare.

On Wednesday, I returned back to our condo after walking the dog, like I do every day. I had the same lunch I normally have (two hours before the walk). Upon returning I started itching my head like crazy then, when I peered into the mirror, I realized my entire face was covered in welts and hives. Within 10 minutes, my entire body was covered in these welts. As if that wasn’t terrifying enough, I then began having trouble breathing.

refocus

Immediately, I called Drew to come home and take me to urgent care or the ER. The local urgent care had little-to-no wait so we decided to try our chances there. They got me back in less than five minutes because I was having a severe allergic reaction and were able to treat me quickly. After a breathing treatment and a few steroid shots and Benadryl, they let me go. The total came to right about $200. Without insurance, this all came out of our pocket.

This made us start thinking about how we might get coverage or how we can find low-cost medical care. Now, I obviously need an allergy test (which will cost another $200+) and need to enroll with a primary care physician in the area. Not to mention, I still haven’t gotten my wisdom teeth out (yes, really). So, we are looking into free clinics and low-cost ways to get some of these things done while we also research insurance options (talk about stressful).

Pros: No Additional Debt

There is one “plus” to the latest update and that’s that we haven’t accrued any more debt as a result of anything that’s happened recently. We had the cash to pay out-of-pocket at urgent care this week. Every other emergency that has come up has been paid for in cash as well.

We’ve also been able to manage to continue to make our minimum payments on everything (sometimes a bit more). Doing this has been able to keep us (basically) on track paying off our debts, but it definitely isn’t where we’d like to be. With the idea of an additional expense like insurance or medical costs looming, both of us are feeling a bit defeated. But, we shall persist and move forward.

Readers, have you looked for low-cost medical care? Did you have success?

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Mom Pays Son’s Debt: Should You Consider Paying Your Child’s Debt?

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Mom pays sons debt

Most of us have heard a story about a mother, father, or family members stepping forward and paying someone’s debt. When it comes down to it, reading things like “mom pays son’s debt” is pretty disheartening. Why not give your child the tools to better their finances on their own, something that will undoubtedly help them for years to come.

“Mom Pays Son’s Debt”

Some would argue that if you have the ability to do so, why wouldn’t you pay off your child’s debt and help them start their life off on the right foot? While that is a valid argument, there is a good chance they’ll land themselves back in debt without the proper financial education.

This is increasingly a problem for millennials. In fact, 1 in 4 parents of millennial children pays their child’s bills (even though they work full time). Half of the millennial children are still on their parent’s cell phone plan. One-third relies on their parents to pay their car insurance, car payment, utilities, and even rent. Additionally, they are making payments on their children’s student loans, taking the bulk of the $1.4 trillion student loan debt.

And those are the kids that are working full time. When you take into account those who are working part-time or are without work, parents are footing a lot of the bill for their grown children.

Should You Consider Doing This?

Many parents risk absolute financial ruin if they help their children in this way. You’ll put off your own retirement, your own financial goals, and even go into debt yourself helping your child.

When it comes to whether your not you should consider settling up your child’s debt for them, the answer isn’t yes or no. Of course, you wouldn’t ever tell a parent to not help their children. However, rules need to exist. If your child needs financial assistance from you, they should be able to explain why.

Then, you should take steps to better educate your child about financial planning. Have open discussions about saving, debt freedom, buying a home, and other important topics. Making a comfortable environment for your child to talk about their financial concerns can help you help them and inspire them to take better care of their money in the future.

Readers, are there any instances where you would pay off your child’s debt?

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The Cost of Relocating (Again)

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As you all know, we have been working on relocating from Charlotte to Atlanta over the past few weeks since getting married. And, once again, the cost of relocating has caught me off-guard.

First – The Wedding

Wedding

Before I jump right into the dollars and cents, we had an amazing wedding day. Even though most of our out-of-town folks couldn’t make it in, we truly had a great day. The best part about it was it was honestly what we’d wanted all along. Plus, we spent next to nothing on the celebration (even my dress was only $35).

Two days after our wedding, we began the relocation process. We have some plans for a honeymoon down the road but aren’t sure quite when that will be yet. The postponing of the trip has a ton to do with how much the move has cost thus far while maintaining payments on our debt and regular bills.

Lessons Learned

First, not everything that glitters is gold. The opportunity to come to Atlanta was (and still is) a great one for my husband. There are more work opportunities here and more room for him to grow his career. So, that is a plus. However…

When we were asked to relocate we were told some of the cost would be offset by not having to pay rent (see my last update). We would be living in his boss’ home here in Atlanta, free of charge, for up to a year. But, that isn’t quite how it worked out.

After moving here, the owner of the shop notified my husband that the rent would actually be coming out of his pay after the first month. While he would still be making more than he was before (by about $500/month), this was a bit of a letdown financially. We also probably wouldn’t have relocated for $500 per month extra.

Additionally, the landlord/boss made it clear he is expecting us to fix up his home while we live here and it would be deducted from our rent. I don’t know about you – but I am not entirely keen on fixing up someone else’s home free of charge. Also, if I had the money to buy and fix a home I’d have my own (and this house needs a TON of work).

With the being said, we have already located a new place. We are downsizing quite a bit but it will be saving us money month-to-month and ultimately help us take a step closer to our debt-free goal. Not without costing us a bit first though…

The Cost of Relocating So Far…

Cost of relocating

So far, with relocating, we will spend more than $3,000 to get settled here in Georgia (and probably more once we get our licenses and plates swapped over). Thankfully, we had wedding cash to help with some of the more unexpected things and haven’t had to dip into our emergency savings yet.

Here is a breakdown of the cost of relocating (for us) so far.

  • Moving truck to relocate hubby’s tools: $300, plus gas and food for the trip down and back
  • Food the week we traveled back and forth: $350
  • End of lease term agreement payout amount: $127
  • New pet deposit: $150
  • Moving truck for the rest of our belongings: $300, plus gas, food, etc.
  • New Wifi installation price: $100
  • Electric deposit: None
  • Moving materials: $50
  • Anxiety medicine for the dog (don’t laugh): $30
  • Elevator hold deposit (we will get this back): $300
  • Deposit on rental: $1,300

The biggest cost has been my mental stability (seriously… never move twice in one month). But, the good news is, there have been a number of lessons learned here and, despite it draining us a bit financially, we are optimistic about our relocation and the future. I can’t wait to see what Atlanta holds for us!

Readers, do you have a crazy moving or relocation story to share? Let me know about it in the comments below.

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I’m Ditching The ‘Dream’ Wedding and Moving 4 Hours Away

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ditching dream wedding

This update has been a couple of weeks in the making but we wanted to make sure everything was final before announcing. In some of my most recent blog posts, I talked about planning a debt-free wedding. That will definitely still be happening but in a different timeframe and manner than we’d originally planned.

I’m ditching the dream wedding. We are having a courthouse ceremony next Monday. Then we are moving four hours South to Atlanta! 

Why The Move?

My (very soon) hubby-to-be has gotten his dream job offer down in Atlanta. He’ll be running a Porsche shop there. This is a huge career move for him and it comes with a ton of perks for us as well.

Of course, I work from home so there is nothing keeping me rooted here work-wise. In addition to the “dream job,” he will be getting a decent pay raise and we will also have a rental house to live in “rent-free.” I say “rent-free” because it will be considered a portion of his initial salary.

The house is only four miles from the shop he’ll be managing. Not to mention, we will finally have a yard for Enzo!

What This Means For Our Debt Free Journey

All those small perks aside, what has really driven our decision to move forward with this move has been the financial aspect. Yes, of course, this is an absolute dream come true and this could be where my other half spends most of his career.

On the financial side of things, we have the opportunity to finally pad our emergency savings the way we’ve needed to. We will have the money to pay off debt (and way faster than we’d initially planned). In fact, if everything goes to plan, we could find ourselves being debt-free in a year and on our way to buying a home.

Considering All Things

Since my husband-to-be received the offer, we have been over-the-moon excited. It almost seemed to good to be true and I am thrilled to get to start our married lives together in a city neither of us has spent any time in before. It will be a fantastic adventure and will put us on the right track financially for the rest of our lives together.

That isn’t to say we won’t miss being close to family and friends. Of course, we will. We will also miss out on the big “shebang” of a wedding we were planning later this year. But, we can always throw a celebration down the road and will celebrate with the immediate family able to make it this week.

All in all, I can’t wait to see what this next move does for our family, our relationship, and our finances. And, I can’t wait to keep you updated about it here!

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