Millennial Stuff, Money, Relationships

My Single, Millennial Debt Free Journey: The Pro’s and Con’s of Being Young and Single while Becoming Debt Free

I am in my early 20’s, single with no kids and I have been working on my Debt Free Journey since January 1st, 2017. A lot of people have said, “Oh, well with no kids to feed, it would be easy.” This journey isn’t easy whether you are single, married, divorced. Becoming debt free is a hard journey no matter what. There are constant, daily struggles of a debt free journey. If you haven’t read my whole story, I started this journey just a few weeks after I got a loan for my Jeep right before my 22nd birthday.. I realized how deep in debt I really was because my student loans were all coming due. Then, I started to freak out. I had never ever had a vehicle loan because my I have always driven $1,500 or less vehicles. My Jeep is the most expensive vehicle I have owned at $3,000. Mentally, I didn’t know what I was supposed to do because I was 22 and already overwhelmed by my debt. Not really how I imagined spending my early 20’s, but I am so thankful that I have spent the last year getting rid of as much debt as I could in a year. My student loan companies had started calling to talk about payment plans and I started getting bills in the mail for them. At 22, I got my first credit card to “help build my credit” after I didn’t get approved for my Jeep loan. (Thanks Dad for cosigning my Jeep, but also unknowingly encouraging the start of this journey.) Having no one else to worry about when it comes to my budget has been great. There are HUGE perks to being single on this journey, but I have also found some things harder because I am single. Here are just a few of the pro’s of my young and single debt free journey: One of the best things about being single is no “budget committee meetings.” I am the committee. When I sit down to decide on my budget, what I decide is what it…

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Blogging, Making Money

8 Blogging Resources That You Can’t Blog Without (That Won’t Waste Your Money)!

Hello and Welcome to a great resource list straight from The Savvy Sagittarius! Blogging can be so hard because there are SOOO many resources out there to use. I have wasted money on things that I definitely didn’t need to buy and I have bought courses that weren’t worth my money or taught me exactly what I already needed to know. My goal  is to help create a process for other new bloggers that doesn’t leave them super confused about what to use. In creating this list, I hope that other bloggers don’t have to feel like they are wasting their money to get to where they want to be with their blog!  I get asked all of the time what products I use for different things. I am always getting asked what I use for certain things! There aren’t a lot of things that I am willing to pay for, but I am finally creating list of the few that I have really found helpful since I started blogging. Instead of getting continually asked, I thought I would create a list! I also want people in the debt free community to see that while blogging is the start of a new business and costs a little up front, it can be one of the best side hustles. If you aren’t sure about it, check out my post 5 Things I Learned From My First Year of Blogging and Why YOU Need to Start One NOW! Maybe you haven’t started yet and you are trying to figure out if blogging is worth the investment! I sure love it, but if you don’t enjoy writing then it may not be for you! If you love communicating with people and telling a story, blogging might just be the perfect side hustle for you and your debt free journey! Here are just a few of my favorite online sources! Blogging Resources: I use SiteGround for my host site and I haven’t had any problems with them! Hosting is all of the background stuff that makes a website work, so you don’t have to worry about  They…

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Debt Free Journey Reports, Money

2017 Debt Free Journey Report

In 2017, I paid off over $15,000 in credit card payments, car payments, and student loans with just my income. I worked many hours and put about 50% of my income to my debts. Here is a summary of 2017 on my financial peace journey!

I didn’t do a specific December Debt Free Journey Report, but instead I am just summing up the whole year into one post. What an absolutely crazy year for 2017. I have been sharing my story and working extremely hard to meet my goals. In case you missed any of my other debt free reports or my story, you can find them under my Debt Free Journey Reports. At the beginning of 2017, I said that I wanted to be debt free by December 31st, 2017. Ha. Little did I know, I didn’t actually make enough money for that to happen. I would have had to live in my parent’s basement and not spend a single penny on anything, and then I would have still been off on my income. Needless to say, I didn’t make my goal of being completely debt free. But I did accomplish a lot. In fact, I am not dwelling on the fact that I didn’t make my goal. Instead, celebrating all that I did. In 2017, I.. Paid off $15,000 in debt Debt January 1, 2017 December 31, 2017 Amazon Card $10.99 PAID JAN 17 Mary Kay Card $275.00 PAID JAN 17 Bank Credit Card $675.88 PAID JAN 17 Student Loan #1 $2,087.41 PAID APRIL 17 Jeep $2,500.00 PAID JULY 17 Student Loan #2 $3,550.00 PAID OCT 17 Student Loan #3 (PARENT PLUS) $11,634.62 $7,633 Student Loan #4 (PARENT PLUS) $13,218.78 $12,890 Completely Paid off my Jeep (2 1/2 years early). Paid off all of the student loans in my name Put a decent dent in the parent plus loans that are in my dad’s name. Paid off 40% of total beginning debt. Completed 2 No Spend Months. Maintained a “Pantry Challenge” or an “empty fridge challenge” mindset for eating the groceries I already have. Made 244 months of minimum payments. (Equals over 17 years of payments in 12 months) Got a new temporary job working full time for the Nebraska National Guard Moved into an apartment with my best friend. Worked a billion hours (exaggeration, but it felt that way)   Without accuring any interest,…

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Budget Tips, Money, No Spend Month Tips

5 Things To Prepare for a No Spend Challenge

Preparing for a no spend challenge is extremely important.

I have been on my debt free journey for almost exactly a year now! One thing that has helped me tremendously with paying off $15,000 on a $30,000 income was No Spend Months! They may seem a little crazy, but you can accomplish anything in 30 days if you set your mind to it! No Spend Months are great for resetting your finances after a splurge or really just focusing in on what you already have. The last year of 2017 has been a bit of a cheat week for me because my roommate came home from her military training for Christmas break. I haven’t exactly stuck to my budget, but I also budgeted to splurge (All in cash). Does that mean I’m not breaking the budget? I am making January a no spend month for me, but you can definitely do it any month out of the year. I will probably have multiple throughout 2018 and beyond. Whether your goal is to not spend for one week, a month, or even a whole year, you have to be realistic about your goals. Everyone has to set their own rules for a no spend month. The best thing you can do for your goals is to prepare for obstacles that might come up throughout your no spend time. Here are 5 things to do to prepare for a No Spend Challenge: 1. Set your goal. When setting your goal, really think about why you want to do this challenge. Is it because you know you have been spending too much? Or maybe you have too much stuff in the house already and you are going to focus on getting rid of stuff and not bringing more in. Another great goal is to pay off the rest of a debt. If you are super close on one of your snowball accounts, maybe the whole point is to really focus on getting that student loan/credit card/car loan gone! When preparing for your no spend month, make a list of the things that you hope to get out of this month. I don’t recommend your…

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Debt Free Journey Reports

November Debt Free Journey Report

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy!   My Story If you have been following my story at all, you probably know my story. If not I tell my story at the beginning of every monthly report for those who just stumbled upon my blog. I gain different followers every month and I don’t want anyone to feel blind as they find my posts! If you have read my story, feel free to skip ahead to my monthly report. I tell this story so I am not just some stranger, but instead someone who just might inspire each and every reader to follow the same journey! My name is Elyse. I am 22 (almost 23!) single with no kids and I am proudly on my way to being completely debt freeeee. I never really thought of myself as someone who was in debt. With no credit cards and no car payment, I was not the average American.  All I had was a few student loans. It wasn’t until a few weeks before my 22nd birthday that I got a loan for a Jeep and my very first credit card. I should say credit card(s). For the month of December, I thought it was so cool that I finally had a credit card. I was excited over it actually. I was learning about all the different rewards I could cash in and it was fantastic. Even though I had never needed a credit card, I was determined that I needed them then. I had racked up a pretty decent amount of money on my credit cards and started picking up waitressing shifts to get it cleared. While I have never paid interest on my credit cards, I have definitely gotten close. Towards the end of the month, I was cleaning off a bookshelf, getting ready to…

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Budget Tips, Holidays

Make it through Christmas without any extra debt!

Christmas is supposed to be the happiest time of the year. "Joy to the World." "Happy Holidays" and all of that, but if you aren't careful with December's Christmas budget, than January's credit card statement can be oh so frightful! Here are a few ways to make sure that you don't break the bank for your Holiday cheer!

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! Christmas is less than 2 months away and I don’t know about you, but I am beaming with excitement. I can’t wait for Hall-o-ween to be over with so I can start decorating my apartment! The holidays are always my favorite time of the year with the sugar cookies, the Christmas trees and lights, and actually being able to spend time with my family.I can already hear the Christmas music in my head.I know it will come up faster than we expect, because it always does. Just like every year, Christmas is on December 25th. Even though we know that, it seems like it just “sneaks up on us” before we even get to plan anything. This year, instead of waiting until December 24th to start figuring out how to pay for the holidays, think about checking out these tips to making sure that you don’t regret all of Christmas once your January credit card statement hits. This year, don’t let your budget be surprised by the Christmas holiday! 1) Set a budget before the holidays get here! Figure out exactly how much you think you are going to need. When I made my Christmas budget of $500, it includes dinners with friends, decorations for my apartment, presents for everyone on my list, and any holiday festivities that may happen. I very carefully figured out what I thought was necessary for all of the different categories, but that still seems like too much for a holiday budget. I tried to think about last year to figure out what I spent, but I truthfully have no clue. 2) Start buying or saving early Some people start buying things when they see them on sale. If you have the storage/hiding space, this is a great idea. Especially if you know…

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Making Money

Ebates: The BEST Way to Make and Save Money Online.

I have posted about Ebates on my social media a few times, but I finally wrote an in depth review of it!

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! I have recently stumbled upon Ebates and I think I am in love. I don’t really know what love feels like because I have been single for so long, but I am pretty sure this is it. Multiple bloggers have told me how great it is and how much money you can save when shopping online, but I never bought into it. I have I always pushed it off that I don’t shop online that much. Or I don’t really need to shop online and it will encourage me to shop online more. Well, let me tell you that I am pretty sure that I have missed out on THOUSANDS of dollars’ worth of discounts, sales and cash back in the time that I have been ignoring their plea for me to join Ebates. I have already saved a ton of money using Ebates with my Christmas shopping, but there are also a ton of other ways to save on Christmas as well! During my Debt Free Journey, I have looked for as many opportunities as I can to save and earn more money. I LOVE getting great deals when I shop online. The cheaper I can get it, the better! I don’t know how I have been missing out on this great deal for so long. I just got a $275 purchase for $210 and $22 cash back for it! Plus FREE overnight shipping. Find out how below?

Debt Free Journey Reports, Money

October’s Debt Free Journey Report

October is so great for fall activities and some of the best foods on the planet. It was also a FANTASTIC month for my debt free journey. I did a NO Spend Month and made sure that I was only spending money on groceries, gas, and prebudgeted things. See here how I paid off $2000+ in one month on a SINGLE income.

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! My Story If you have been following my story at all, you probably know that I tell my story at the beginning of every monthly report for those who just stumbled upon my blog. I gain different followers every month and I don’t want anyone to feel blind as they find my posts! If you have read my story, feel free to skip ahead to my monthly report. I tell this story so I am not just some stranger, but instead someone who just might inspire each and every reader to follow the same journey! My name is Elyse. I am 22, single with no kids and I am proudly on my way to being completely debt freeeee. I never really thought of myself as someone who was in debt. With no credit cards and no car payment, I was not the average American.  All I had was a few student loans. It wasn’t until a few weeks before my 22nd birthday that I got a loan for a Jeep and my very first credit card. I should say credit card(S). For the month of December, I thought it was so cool that I finally had a credit card. I was excited over it actually. I was learning about all the different rewards I could cash in and it was fantastic. Towards the end of the month, I was cleaning off a bookshelf, getting ready to move (again), and found The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness. This $15 book completely changed my life path at the time. Dave describes being debt free as such a rewarding and achievable thing. In his book, he says it will take work and it will be hard, but it will be worth it. He has been right.…

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Budget Tips, Money

14 Things that Waste Money, but I Refuse to Eliminate from my Budget

The biggest financial advice I have seen is what items that you should never pay for once you start your debt free journey. Maybe I just don't fit in, but I don't see eye to eye on all of the items that are a "waste" of money. I believe that if it brings ease or joy to your life, why eliminate it! Check out my list of 14 things that I waste my money on!

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! Lately, I have seen a ton of articles that focus on things you shouldn’t waste money on in your debt free journey. According to these, you should just go cold turkey on everything that is a “waste” of money. There are a ton of things that could be considered a waste of money to one person, but not another. I am all about ways that I can save money. This month, I am in the middle of my #SavvySagittariusNoSpend Challenge. When I am not spending money on anything, it makes it easier to see what I really do waste money on. This isn’t how I am doing my debt free journey at all. There are still quite a few things that I purchase that are on most of these lists. I am always looking for ways to save money, but there are a few things that I am just not willing to stop “wasting” money on. Because I won’t give them up, I have found a few ways to save some money on these things. Your debt free journey doesn’t mean you have to be miserable. Continue to enjoy the life you have, but do so responsibly.

Debt Free Journey Reports

September’s Debt Free Journey Report

I know October is going to be a great month of paying debts off. This month I will pay off my smallest student loan! Find out how September went!

Disclaimer: This post may contain affiliate links. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! If you would like to read more about how this works, check out my Disclosure Policy! My Story If you have been following my story at all, you probably know that I tell my story at the beginning of every monthly report for those who just stumbled upon my blog. I gain different followers every month and I don’t want anyone to feel blind as they find my posts! If you have read my story, feel free to skip ahead to my monthly report. I tell this story so I am not just some stranger, but instead someone who just might inspire each and every reader to follow the same journey! My name is Elyse. I am 22, single with no kids and I am proudly on my way to being completely debt freeeee. I never really thought of myself as someone who was in debt. With no credit cards and no car payment, I was not the average American.  All I had was a few student loans. It wasn’t until a few weeks before my 22nd birthday that I got a loan for a Jeep and my very first credit card. I should say credit card(S). For the month of December, I thought it was so cool that I finally had a credit card. I was excited over it actually. I was learning about all the different rewards I could cash in and it was fantastic. Towards the end of the month, I was cleaning off a bookshelf, getting ready to move (again), and found The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness. This $15 book completely changed my life path at the time. Dave describes being debt free as such a rewarding and achievable thing. In his book, he says it will take work and it will be hard, but it will be worth it. He has been right.…

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