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1. Acknowledged living with debt is the pits.
2. Educated ourselves: Read The Total Money Makeover by @daveramsey and took Financial Peace University, a 9 week course by Dave on how to pay off debt the good old fashion way.
3. Worked. Our. Buns. Off. Between the two of us we have worked over 10 different jobs in the past 4 years, lots of different side hustles and second jobs.
4. Celebrated our milestones: we share one rootbeer for every loan paid off and other goals accomplished along the way.
5. Gave each other lots of hugs and passed the tissues when needed. Yep, there have been lots of tears over these past 4+ years: tears of sadness, frustration, shame, anger, and joy to name a few. Paying off debt is an emotional ride.
6. Just kept at it. No matter the curve balls life has thrown our way, illness, moving, job transitions, baby, we have just stuck to the plan. Every dollar really does count.
7. Kept life simple: Homemade meals, taking lunch to work, minimized travel/vacations, grew our own produce in the garden, commute to work on bikes, mended our clothing.
8. We have a dedicated budget meeting every month. We sit down face to face before the start of each month and talk about the plan for every dollar that will come our way.
12 MONTHS & I’M DEBT FREE! 🎉
At 24 I never thought this was possible! Saturday was such a beautiful and unexpected day! I was able to pay off my student loans & take engagement photos! Going into our marriage and I’m completely debt free was so important to us! Knowing that I am changing our family tree and being free from debt is the best feeling. No more monthly payments for this girl! 👍🏻So blessed! THANK YOU TO @daveramsey & @rachelcruze YOU GUYS ARE AWESOME! ♥️ 📸: @kristenemondphoto
my thoughts exactly when I see how much of my (and most everyone else’s) student loan payments go towards the interest.
66 21402:56 PM Jan 16, 2019
Do you know how much you are contributing to your 401k every pay period?⠀
The 2019 contribution limits for your 401(k) is $19,000 (for those under 50). That means that you can contribute as much as $730.76 per paycheck, if you get paid every 2 weeks (26x per year).⠀
The 2019 contribution limit for IRAs (Roth and Traditional) is $6,000. If you want to make regular contributions, this will come out to roughly $230 every two weeks. Don't forget that you have until April 15, to contribute to an IRA for LAST YEAR (2018).⠀
Obviously, maximizing both a 401k and an IRA is ideal. But if you aren't earning or saving enough, don't get discouraged. Every penny counts, and it's NEVER too late to make a change. A lot of people wait until the end of the year to make a lump sum contribution to an IRA, but setting aside smaller amounts regularly is easier for a lot of you. Find what works BEST for YOU and go with it.⠀
If you don't have an IRA for 2018 yet, and want to set one up, the link in our bio will walk you through the process.💪You got this!💪
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Hey.....@garyvee ..... ppssst. I'll shine your shoes for a year. No questions asked. All I need is for you to make my #Studentloans Disappear. Don't own shoes ? Ill clean your sunglasses....No? You like self deprecating humor? I'm your guy.
What are CPNs?
A CPN is a Credit Privacy/Protection Number. These are 9 digit numbers just like a Social Security Number, however, they are not and should not be claimed as such. CPNs are used for the purpose of creating a new credit profile within the credit bureau system and are not linked to the government like a SSN, EIN, or Tax ID.
CPNs are very legal, however, they are not to be used in lieu of your SSN. They are to be used for Credit Purposes Only! Many people elect to use CPNs to protect themselves from identity theft, privacy, and other reasons.
According to the 1974 Privacy Act, your SSN is only required to be provided for employment, tax purposes, registering and obtaining documentation from the DMV, and receiving Public Assistance. You are only required to disclose it to the IRS, your employer, and the DMV when registering a vehicle. It is your legal right to keep your SSN private for anything other than these reasons and to maintain a separate number for credit purposes ONLY! ✔APARTMENTS
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0 8an hour ago
I have some new faces on here and wanted to share a little of my heart 💕 behind these tiny squares. •
As you’re scrolling through Instagram each day, you’re bombarded with A LOT. It’s a lot of noise and consumption and I wanted a square in the noise to remind you of little truths in your week. •
They’re not always super profound, but I hope they’re a reminder of your goals and keep your spending/saving in check! •
You can also expect to see a little about the things I love on here! Things like paying off debt, style, good deals, motherhood, and JESUS! •
I’m so excited to have you here!
Don't let bad credit ruin your life this 2019.💯
Cash is king until you need credit to move to that new apartment or buy a new house.🏡
Text or Dm "Help" to 612-275-5631 for more details so we can get the process started. -------------------------------------------------------------
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Someone get Forbes on the phone cause ya girl’s net worth is no longer in the red 🤣🤣🤣 for real though this is the biggest accomplishment of my little life so far and I have some thoughts to share if you’re interested:
• 20k of this was interest. Twenty thousand dollars!!! Which accrued in three years!!! On federal loans!!! This is insane to me. You’re welcome federal government for the gently used Prius you can now afford because of me 🤪 It makes me physically ill thinking about how much would have accrued if I would have taken my entire 10 year repayment term. •
• I could have done this in literally half the time if I’d found Dave Ramsey sooner. I feel like some people dissuade you from thinking things like that are possible but it really really can be if you’re willing to work hard and make the right sacrifices (e.g. living with your parents and commuting 100 miles round trip on the 5 every day for two years, among many others) (but like shoutout to M+D for allowing me to remain under their roof for so long).
• The biggest key for me was getting on a written budget. I overpaid my loans each month from the very beginning, but I didn’t start to make real headway until I figured out where all my money was going and how I could tighten things up.
• Beyond grateful for all my friends and family who have patiently listened to me talk about nothing other than personal finance and budgeting for the past six months. For real y’all I am super lucky to have ya.
• If I can do it, so can you! Let me know if you need a cheerleader and I am there 😅
Y’all this is depressing. I have been paying on this student loan for an entire year yet I am only paying interest on the loan. The loan is on a graduated 30 year plan and it’s the last set of loans to tackle in my snowball. While i tackle all of my smaller debts this loan will continue to accrue interest and i will continue to pay minimums on it. This is so frustrating and motivating i can’t even stand it! The worst part is that I didn’t even know this was the situation until I started this journey. If i didn’t prioritize becoming debt free then I wouldn’t have thought twice about where my payments were going for the next 30 years!!! What have you opened your eyes to on this journey?