How I Plan to Pay Off $34,000 In Debt In 12 Months

I always told myself that I was financially smart. There has always been some form of a budget. I have some savings. The only debt I had was student loans. I didn’t even get a credit card until the week before my 22nd birthday and I was irrationally proud of that. Fast forward six months and I feel like I am drowning. Not that I am not making enough money, but that I realized how much debt I actually have. $34,000 in student loans, credit cards, and a car payments. 90% of it being student loans. I told myself I would never ever be like the rest of America, just running on credit. But here I am. I didn’t need my Jeep as bad as I just really wanted it. It is probably one of the nicest vehicles that I have ever owned, but I could have waited. Instead, I got a loan for it. With the loan, came a credit card to help build my credit so my dad didn’t have to cosign a loan if I needed a loan again. Blah. I did the math and just paying the minimum payments, I would be paying off my student loans for almost 22 years and that’s without the interest that would accumulate. A month and a half later, after the Christmas shopping has been completed, I am feeling a little like every other American at this time. The post Christmas- “I am broke” blues. While “broke” may not be exactly the word that most people would use to describe a 22 year old that has a solid Army paycheck coming in two days, it’s definitely how I feel.


Why Travel Blogging is Not For Me: And What It Took To Realize That

Many of my followers and Facebook friends have watched me move from one blog to another. Some saw me while I was a struggling high school writer that had no direction in life (as if I have any now). Most of my Facebook friends saw me as a travel blogger.  I LOVED travel blogging,  exploring new places, and the continuous adventure. It was always exciting to plan my next trip. Traveling by myself took me out of my shell and forced me to be someone different than what I was used to being. It took me through the ups and downs of traveling. From smiling and laughing at all of the new, beautiful places I had discovered. Then to crying in a smoky hotel room because I was alone in the middle of nowhere and my mom was going into surgery at noon the next day and I was 2,000 miles from home. Solo traveling was probably one of the greatest experiences I will ever have and I hope to do it again in the future.  Traveling is something that I want to continue to do constantly. It forced me to grow tremendously as a person. If I have kids, they will be well traveled from a young age. I truly believe there are things you learn from traveling that cannot be learned any other way. I still love traveling. What I didn’t love were the costs and sacrifices that comes with travel. I am not only talking financial costs. Money is a big part of the reason why I am putting on a new hat. Financially, I need to get a lot figured out before I do more traveling. I carelessly spent well over $3000 on travel expenses this year when I have $34k in debt that needs to be paid off.  I am currently taking Dave Ramsey’s class AGAIN. But bigger than the money, the ultimate reason is something mentioned above. My mom found out she had kidney stones and was going into surgery the next day. Meanwhile, I was in the middle of nowhere, Utah (literally).  While…

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Millennial Stuff

What Is a Millennial and Why Is It Such A Bad Thing?

While I have read multiple different age and birth year ranges on a millennial, it is technically defined as anyone who was reaching young adulthood around the year 2000. So maybe I am a little farther behind than the actual millennial, because I was in kindergarten in 2000, but I feel like people still apply the term to my generation as well.  I have read it as anyone born after 1992. No matter the years, the negative connotations stay the same. We are known for our safe spaces, participation trophies, selfie sticks, and our cell phones that must be “surgically removed” from our hands. We are better at figuring out technology than any other generation. Most of us can’t spell to save our life, thanks to spell check and auto correct! Urban dictionary killed it with this definition of us! While there are so many negative descriptions of us, but there are also a few positives that I think better describe some of us. Willing to work for what they want, technology savvy, the best work/life balance of any generation are just a few. I have such a strong love for writing that has been nurtured by my love of reading that started at a very young age. It was fed from countless elementary teachers who continuously encouraged me to read anything and everything I could get my hands on. My love of writing was encouraged by my 7th grade English teacher.  She knew what I was capable of and never expected anything less of me.