#debt free life

[calicalicallie]

From "Budgeting While Making Cents" to “Budgeting While Making Cents: For Modern Families”

Hey Friends! I wanted to be the first to tell you we will be transitioning to a Family-Friendly Budgeting Blog: In response to the valuable feedback and evolving needs of my readers, I have decided to pivot towards a family-friendly approach to budgeting. This means that in addition to offering insightful tips and strategies for personal finance management, I will be incorporating more content…

[harmonyhealinghub]

How I Crushed $20,000 in Student Loans and Achieved Debt-Free Bliss!

Shaina Tranquilino

January 31, 2024

Student loans have become a harsh reality for millions of graduates worldwide. The burden of debt can be overwhelming, hindering our financial freedom and future aspirations. However, with determination, discipline, and these practical tips that helped me pay off my $20,000 student loan debt, you too can find your path to becoming debt-free.

1. Create a Solid Repayment Plan: The first step towards paying off any debt is to create a well-structured repayment plan. Start by evaluating your overall financial situation and set realistic goals for yourself. Determine how much you can afford to put towards loan payments each month without sacrificing essentials or other necessary expenses. Having a clear roadmap will help keep you focused and motivated throughout the journey.

2. Prioritize Your Payments: While it's essential to make minimum monthly payments on all outstanding debts, prioritizing higher-interest loans can save you significant money in the long run. By directing additional funds towards loans with high-interest rates, you'll reduce the overall interest accrued and expedite your debt payoff process.

3. Cut Back on Non-Essential Expenses: Consider adopting a frugal lifestyle while paying off your student loans. Identify areas where you can cut back on non-essential spending to free up more money for loan repayments. Assess your monthly budget meticulously; small sacrifices like reducing dining out frequency or cancelling unnecessary subscriptions can go a long way in accelerating your debt repayment journey.

4. Generate Additional Income Streams: Increasing your income is an effective strategy to speed up loan repayment. Explore opportunities to generate extra cash through side hustles or part-time jobs aligned with your skills or hobbies. Consider freelancing, tutoring, or monetizing specific talents online – every additional cent earned helps chip away at your student loan balance faster.

5. Utilize Windfalls Wisely: If fortune smiles upon you with unexpected cash inflows, like tax refunds or bonuses, refrain from splurging on luxuries. Instead, allocate these windfalls towards paying off your student loans. While it may not be as thrilling as a spontaneous shopping spree, the satisfaction of reducing your debt burden will far outweigh any temporary materialistic indulgence.

6. Seek Loan Forgiveness or Repayment Assistance Programs: Investigate loan forgiveness and repayment assistance programs available for specific professions or industries. Depending on your field of work, you might qualify for programs that forgive a portion of your loans after a certain number of years of service or offer repayment assistance in exchange for working in underserved areas.

7. Refinance Your Loans: Consider refinancing your student loans to secure lower interest rates and flexible repayment terms. Research different lenders' offerings and compare their interest rates, fees, and borrower benefits before making a decision. However, carefully assess whether refinancing is the right choice for you based on your financial goals and circumstances.

8. Stay Positive & Celebrate Milestones: Paying off significant amounts of debt can feel like an arduous journey at times. It's crucial to stay positive throughout the process by celebrating milestones along the way – no matter how small they may seem! Recognize each accomplishment and reward yourself modestly to maintain motivation and keep pushing forward.

Becoming debt-free is an empowering achievement that opens doors to financial freedom and peace of mind. Remember that everyone's journey is unique, so don't compare yourself to others; focus on what works best for you. By creating a solid plan, practicing frugality, increasing income streams, exploring loan forgiveness options, refinancing when beneficial, staying positive through challenges, and celebrating milestones – you'll pave your own path to debt freedom just as I did with my $20,000 student loan payoff.

Stay determined, disciplined, and committed - soon enough, you'll find yourself basking in the joy of being debt-free. Your future self will thank you!

[fastlane-freedom]

Debt Management & Debt Reduction Strategies for Debt-Free Life

Debt management and reduction are important aspects of personal finance that help individuals stay financially stable and achieve their financial goals. Debt is a common financial burden that many people face, and it can be overwhelming if not managed effectively. In this blog, we will discuss debt management and reduction strategies that individuals can use to manage their debt and achieve…

[inkskinned]

the thing about art is that it was always supposed to be about us, about the human-ness of us, the impossible and beautiful reality that we (for centuries) have stood still, transfixed by music. that we can close our eyes and cry about the same book passage; the events of which aren't real and never happened. theatre in shakespeare's time was as real as it is now; we all laugh at the same cue (pursued by bear), separated hundreds of years apart.

three years ago my housemates were jamming outdoors, just messing around with their instruments, mostly just making noise. our neighbors - shy, cautious, a little sheepish - sat down and started playing. i don't really know how it happened; i was somehow in charge of dancing, barefoot and laughing - but i looked up, and our yard was full of people. kids stacked on the shoulders of parents. old couples holding hands. someone had brought sidewalk chalk; our front walk became a riot of color. someone ran in with a flute and played the most astounding solo i've ever heard in my life, upright and wiggling, skipping as she did so. she only paused because the violin player was kicking his heels up and she was laughing too hard to continue.

two weeks ago my friend and i met in the basement of her apartment complex so she could work out a piece of choreography. we have a language barrier - i'm not as good at ASL as i'd like to be (i'm still learning!) so we communicate mostly through the notes app and this strange secret language of dancers - we have the same movement vocabulary. the two of us cracking jokes at each other, giggling. there were kids in the basement too, who had been playing soccer until we took up the far corner of the room. one by one they made their slow way over like feral cats - they laid down, belly-flat against the floor, just watching. my friend and i were not in tutus - we were in slouchy shirts and leggings and socks. nothing fancy. but when i asked the kids would you like to dance too? they were immediately on their feet and spinning. i love when people dance with abandon, the wild and leggy fervor of childhood. i think it is gorgeous.

their adults showed up eventually, and a few of them said hey, let's not bother the nice ladies. but they weren't bothering us, they were just having fun - so. a few of the adults started dancing awkwardly along, and then most of the adults. someone brought down a better sound system. someone opened a watermelon and started handing out slices. it was 8 PM on a tuesday and nothing about that day was particularly special; we might as well party.

one time i hosted a free "paint along party" and about 20 adults worked quietly while i taught them how to paint nessie. one time i taught community dance classes and so many people showed up we had to move the whole thing outside. we used chairs and coatracks to balance. one time i showed up to a random band playing in a random location, and the whole thing got packed so quickly we had to open every door and window in the place.

i don't think i can tell you how much people want to be making art and engaging with art. they want to, desperately. so many people would be stunning artists, but they are lied to and told from a very young age that art only matters if it is planned, purposeful, beautiful. that if you have an idea, you need to be able to express it perfectly. this is not true. you don't get only 1 chance to communicate. you can spend a lifetime trying to display exactly 1 thing you can never quite language. you can just express the "!!??!!!"-ing-ness of being alive; that is something none of us really have a full grasp on creating. and even when we can't make what we want - god, it feels fucking good to try. and even just enjoying other artists - art inherently rewards the act of participating.

i wasn't raised wealthy. whenever i make a post about art, someone inevitably says something along the lines of well some of us aren't that lucky. i am not lucky; i am dedicated. i have a chronic condition, my hands are constantly in pain. i am not neurotypical, nor was i raised safe. i worked 5-7 jobs while some of these memories happened. i chose art because it mattered to me more than anything on this fucking planet - i would work 80 hours a week just so i could afford to write in 3 of them.

and i am still telling you - if you are called to make art, you are called to the part of you that is human. you do not have to be good at it. you do not have to have enormous amounts of privilege. you can just... give yourself permission. you can just say i'm going to make something now and then - go out and make it. raquel it won't be good though that is okay, i don't make good things every time either. besides. who decides what good even is?

you weren't called to make something because you wanted it to be good, you were called to make something because it is a basic instinct. you were taught to judge its worth and over-value perfection. you are doing something impossible. a god's ability: from nothing springs creation.

a few months ago i found a piece of sidewalk chalk and started drawing. within an hour i had somehow collected a small classroom of young children. their adults often brought their own chalk. i looked up and about fifteen families had joined me from around the block. we drew scrangly unicorns and messed up flowers and one girl asked me to draw charizard. i am not good at drawing. i basically drew an orb with wings. you would have thought i drew her the mona lisa. she dragged her mother over and pointed and said look! look what she drew for me and, in the moment, i admit i flinched (sorry, i don't -). but the mother just grinned at me. he's beautiful. and then she sat down and started drawing.

someone took a picture of it. it was in the local newspaper. the summary underneath said joyful and spontaneous artwork from local artists springs up in public gallery. in the picture, a little girl covered in chalk dust has her head thrown back, delighted. laughing.

[reinforcefinance]

Bad debt is a financial burden that can affect individual person and as well as businesses . By understanding the reasons behind bad debt and exploring practical solutions, we can take good decisions to minimize its impact on our financial well-being. 

In this article, we are going discuss the concept of bad debt. its causes and effective solutions.  

[maxthesillyy]

thinking about. i dont know how to phrase this really but. chloe and frank.

like. when Chloe killed Frank i (, personally,) feel like her guilt from it was less because she killed Frank, and More because she Killed Someone (and their dog).

but!!! thats not to say she didnt feel guilty for killing Frank. because she definitely did. because on some level. despite everything. despite all of his shitty behavior. a part of her still cared for him. that tiny 15-17ish year old part in her still cared for him.

because that 15-17ish year old with intense abandonment issues in her only had. a small handful of people in her life that actually cared for her, and when THOSE few people aren’t even doing the best job at it— it’s no shit that Chloe’s standards for Good Friends are going to be Immensely dropped.

and so. it’s kind of like what happened with Rachel, but WAY less intense. when she found someone who didn’t hate her, and was willing to hang around her—after so so long of people hating her and not wanting to be around her— it makes sense that part of her would kinda latch onto them a little bit.

and so, even after all of the shit she’s learned he did— even when Frank starts to hate her— even when he threatens Max and her’s lives— part of her keeps remembering him as one of the few guys who stuck around when no one else did.

it’s just that. no matter how bad the person— if you’ve known someone for years, and they were one of the only nice people to you in a town where theres like. four people that are nice to you— it’s gonna hurt if you kill them. even if it was self defense. even if it was entirely their own fault— even if you two aren’t on even remotely good terms anymore.

ESPECIALLY for such a sentimental person like Chloe. taking that in consideration it makes me wonder. maybe she didn’t feel bad for killing Frank. maybe she felt bad for killing the person Frank used to be to her. but maybe she realized that That Frank already died long ago.

but yeah. im mentally ill. take everything i said with a grain of salt considering it is 12:07 AM.

[creations-by-chaosfay]

Quick question about a quick quilt...

I can finish a lap size rag quilt in less than a week, twin size in about a week, queen size in two weeks. It's three layers of fabric, quilt-as-you-go, minimal piecing, and they are heavy. Excellent for cold weather and folks who like the weight of blankets but not weighted blankets.* These quilts aren't as hot as layers of fabric plus beads/pellets, and they breathe much more effectively. For a heavier rag quilt, it's a layer of denim and two layers of quilting cotton or flannel. I have a rag quilt for myself that's three layers of quilting cotton. My house is drafty and winters are full of rain, which means the cold sinks into your bones with the humidity. My husband keeps stealing my quilt because his man-cave is the coldest room in the house. He doesn't care that it's very feminine colors "because it's warm."

As for why it's called a rag quilt, here's a sample:

The top is the fluffy side with the exposed seams. Instead of a quarter inch seam allowance the seams under the fabric, it's a one inch seam allowance and the seams are exposed. Said seams are then cut at one inch intervals. With every washing, the seams get fuzzier and softer. They're fun to touch and feel really nice. It's also why these must be dried ALONE or all the strings will end up on whatever else is in the dryer. Three layers of fabric also means two rounds in the dryer on high heat (which is why I like using flannel rather than quilting cotton) or one round of high heat and hanging to dry for a couple hours.

The back looks like a more traditional quilt top and is often the side with denim on it if denim is used. The one is three layers of flannel and was a giveaway prize earlier this year, to celebrate meeting a ko-fi goal.

These are a delight to make and excellent for cold winters and drafty homes. Did I mention they're pretty heavy? The one I have, once all folded up, weighs about six pounds, and knocks my husband out within about ten minutes of him laying over himself. It's why I plan on making a rag quilt for him. He keeps stealing mine.

For context regarding prices, these take significantly less time to make. This one, a lap size, took just 14.5 hours, and that included the quilting. A traditional style baby quilt starts at $2125 because I have a lot more cutting and sewing, and I do the quilting by hand (though it will soon change due to soon having a machine I can use on my Cutie frame and do all my quilting on it), and can take 70-80 hours start to finish. I charge $27/hour + cost of materials to come to the final price.

*A PT I know hates weighted blankets because they cause a lot of injuries. People rolling in bed with a weighted blanket on them have ended up in physical therapy because of soft tissue tears. Most especially dangerous for people with EDS and other connective tissue conditions. Other injuries they've seen are from the pockets with the beads/pellets in them tearing open. Pets and small children have been known to choke on those, and folks who are heavy sleepers can also be injured if the pockets near their face tear in their sleep. When the beads/pellets get all over the floor, people fall and end up with serious injuries from that. Not to mention overheating under all of them because the material doesn't breathe well.

[bitchesgetriches]

NEW POST!

Personal finance--it's not just for medium-ugly straight people anymore! Here are 5 helpful queer money experts from the LGBTQ+ community.

[rosalie-starfall]

Remember, this is a Republican/Conservative majority Supreme court that's decided we aren't worthy of loan forgiveness or aid not Biden or Democrats.

[toads-treasures]

I interrupt your usual scrolling to brag about possibly the best cake I’ve ever made in my life.

[swagging-back-to]

finally went and got my GED diploma a year after i graduated :)))))

[calicalicallie]

Building a Solid Financial Foundation: A Guide for Beginners

Many people feel lost and overwhelmed when it comes to managing their finances. Without proper guidance, it can be difficult to navigate the world of personal finance. But don’t worry – it’s never too late to start building a solid financial foundation. First things first – what is personal finance? At its core, personal finance is all about managing your money in a way that aligns with your…

[kakusboyfriend]

This might sound deranged but honestly making s/is that are inhumanly obsessed with their respective f/os to the point of ruination is sooooo fun. U don't need to explain their motives. Something is just that wrong with them 👍

[fastlane-freedom]

Mastering Financial Literacy: A Tale of Prosperity and Wisdom

Financial literacy, often regarded as the cornerstone of economic empowerment, refers to the knowledge and understanding of various financial concepts, principles, and tools necessary to make informed decisions about money matters. The importance of financial literacy has been recognized since ancient times, when civilizations laid the foundation for wealth management and trade. In the modern…

[corvigae]

What a lovely day to once again say that I personally hope that the conservatives in the US Supreme Court burn in hell and that they never experience a single moment of peace for the rest of their miserable bastard lives and suffer every minute they are alive.

[introvertedexhuastedpigeon]

my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting or important thing about me my sexuality is not the most interesting