Paying off debt is hard enough on a normal day. Forcing yourself to continue living frugally during the holidays can be downright depressing. But don’t despair quite yet, my dears. There are plenty of ways to have a joyful, fun-filled holiday season while sticking to your debt-repaying guns.
Even with a regular paycheck, it can be a squeeze to pay off your loans while still taking care of your monthly expenses. On top of that, you’re busy enough already — you can’t take on another job or side hustle to help pay down a mounting balance. Fortunately, there are ways to make the most
Too often when we talk about being frugal, the easy answer is to find things to cut back on. When I was trying to pay off my student loans, I started by cutting back. But eventually, like a diet, you reach a breaking point. I couldn’t change my rent for at least another year, I didn’t
I don’t know about you, but my spending seems to come in waves. There will be times I don’t buy anything for weeks, and then, all of a sudden it seems like I have a giant credit card bill. Sometimes it’s due to a life change, a seasonal change or I find some wiggle room
If you’ve set some big financial goals for the year, to pay down your debts, save for something big or simply have an emergency fund on hand it can be overwhelming to figure out where to cut your expenses. Like quitting smoking or giving up something totally addictive, we know that “weaning off” something