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3 Smart Ways to Pay Down Debt

Smart Ways to Pay Down Debt

3 Smart Ways to Pay Down Debt - Calculator and coins, learn how to pay down debt and save money with these three tips to pay off and stay out of debt
3 Smart Ways to Pay Down Debt

Are you in debt? This recent study found that 77% of Americans currently have some form of debt. Therefore, finding smart ways to pay down debt is essential for many people.

Growing up, debt was a way of life for our family. Although my parents worked hard, we had bills and were conscientious about money. If I wanted something, I was taught I must save up for it. So around age twelve, I started babysitting at $2.00 per hour. Keep in mind this was back in the ’80s and babysitters make much more today!

It was nice to have my own money, but as I got older and went off to college, I was offered a free T-shirt to sign up for a credit card on spring break. It wasn’t always fun having to save up for things so this sounded like a great idea! As you may know, college students love free stuff, so I quickly filled out the form and my credit card arrived promptly.

Soon I started using it and it felt great to be able to buy what I wanted. Until the next month when the bill came in and I realized I owed money to the credit card company and I was now in debt.

Now that I am older, I pay my credit card bill off every month to score points, but back then, I was making minimum wage working at a daycare and didn’t have the cash flow to pay off my debt every month.

I quickly learned that being in debt is stressful and came up with some tips and tricks to get out of debt the smart way (and you can use these tips to get out of debt too)


Financially Sound: What does it mean? (plus hacks)

Financially Sound

What does it mean to be financially sound? - suitcase with money, learn how to be financially sound and take care of your personal finances with this in depth explanation and hacks.

Are you financially sound? If you have come to this post, you may be asking, what it means to be financially sound and how you can set out to reach your financial goals.

This post covers the following:

  • What does it mean to be financially sound?
  • How to achieve being financially sound
  • 10 Hacks to Become Financially Sound


30 Dollar Store DIY Halloween Decoration Ideas

Dollar Store DIY Halloween Decoration Ideas

Do you love Halloween? It is definitely one of my favorite holidays. And when the holidays roll around we always take a trip to our local dollar store. In fact, we always go to Dollar Tree, my absolute favorite dollar store around. I find they have more name-brand items and we love the selection of holiday decore.

Although holidays can feel expensive, creating amazing DIY Halloween decorations will save you money this Halloween and help you get into the holiday spirit.

30 DIY Dollar Store Halloween Decorations to Try This Fall


30-30-30-10 Budget (How Does It Work?)


What is the 30-30-30-10 Budget Rule?

Are you thinking of trying a new budget, but are wondering “What is the 30-30-30-10 budget rule?”

You may have heard of the popularĀ  50-30-20 budget, and perhaps you even tried it. If it wasn’t for you, luckily there are many other budget options to help you keep track of your money. And the 30-30-30-10 budget may be a great alternative budget to help you stay on track. Moreover, this budget may just be what you are looking for to help stop overspending, yet feel less confined.


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