Debt Free Journey Reports

October 2018 Debt Free Journey Report

October held all kinds of surprises for me, but it was still overall a good month! Find out how I had $600 worth of unexpected expenses and still put over $1,115 towards my last student loan!

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 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. But, 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). There were two or three that showed up that month. For that 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 even went on vacation using mostly my credit card. I had racked up a pretty decent amount of money on my credit cards and started picking up extra 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 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…

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Millennial Stuff

5 Steps to Setting Realistic, Attainable Goals and Crushing Them

How easy is it to set goals and then totally forget about them! Check out this guest blog post from Daily New Year's Blogger, Austin for 5 steps to creating those realistic, attainable goals!

Hey Readers! I want to introduce to you, Austin, the blogger at the Daily New Year! I was super excited when he was up for doing a guest post for my website! Check out his tips for setting goals and totally crushing them! If you are also interested in working with me, check out my page about working with me!    I’m what I like to call a “goal getter.” I love setting goals, tracking my progress, achieving new things in life, and I love seeing others do the same. That’s why I’m so impressed with what Elyse is doing with The Savvy Sagittarius blog and her #debtfreeat23 campaign. It’s incredible to see her progress week after week and month after month. She has total focus and discipline. Goal setting is a passion of mine, and it’s one I want to share with the world. If you’re reading this post, maybe you’re new to setting goals, or you’ve never set a goal before. Or perhaps you feel a sense of disdain for goal setting due to a setback or failure you experienced earlier in your life. That’s okay! I’ve met and talked to people at a variety of different stages in their personal development journey. If you’re still with me, I hope it’s because you want to set some goals of your own, and that’s awesome! I want to help you crush them! Are you ready? Here we go!   1. Write Down Your Goals and WHY You Want to Achieve Them. I don’t want to bore you with stats, but writing your goals down makes you 42% more likely to achieve them. When I first sat down to write out my goals, I tried to think about my life in the long term. That’s what Elyse is doing on her About page:    “After everything is paid off, I plan on buying a house and raising a few goats and a few puppies. I can’t wait to live a life full of adventure after I have no payments.” Before she set out to be debt free on January 1st, 2017,…

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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, 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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Blogging

How To Set Your Goals And Achieve Them too!

Have you ever set a goal and a few days into working on it, you completely forget about it. Here is my number one way of setting goals and achieving them too!!

Have you ever tried setting weight loss goals in the middle of September? It is almost impossible to stick to for some reason. All of the holidays are coming up. The great fluffy clothing is lurking around the corner so you don’t have to worry about wearing shorts or a swim suit any time soon. The “I have plenty of time before summer” excuse. But before you know it, without fail, summer comes and goes again the next year and you are still uncomfortable with your body. Maybe that isn’t you at all, but you can definitely relate that without a real reason why, it is hard to accomplish anything. Without setting yourself up for success, you don’t see a lot of progress on whatever you are working on.  Setting goals is the number one way to make sure that you are actually making progress in life instead of just floating along.  Maybe it was because you weren’t that committed. Or it could be that you made them and then didn’t look at them again until way after the goal date. Whatever it was, here are a few pointers to making sure you can meet you next set of goals! 

Blogging

How To Make Money Blogging

I have struggled with making money from my blog, but I am slowly figuring it out! I absolutely love blogging and it is so much fun to watch it grow. Check out these tips for make a little side money from your blog!

I have been blogging for a while now and I am slowly figuring out the keys to making a little money on my blog! I am not an expert, but as I am sharing as I learn. Making money was my goal in the beginning of this blog. I am working on paying off all of my debts. Any extra money that I make from this blog goes straight to my debts that I am paying off. I know that this seems like such a crazy idea, but it actually works, if you do. You can actually make money even with pretty low viewers. While I am writing this, I only have about 40-50 viewers a day on my blog and I am still making some money! CRAZY! I actually got up to 210 in one day this week! That was cool for me, but I am on the road to hopefully getting to the point where that is more of a constant. As I build my blog and help people build theirs, so many people have asked me how you can possibly make money on a blog. Let me tell you, it can be easy, but it is also super complicated until you get the hang of it. I recommend taking one course on blogging, but don’t get too caught up in the details. If you love it and you keep writing, eventually the income will follow. Do what you love. Teach what you love Here is my of how to make money from a blog: Being consistent. I didn’t actually start making money until I dedicated at least 20-30 minutes a day to my blog. I have spent a lot of months pretty scattered. Posts would publish whenever I got the chance or whenever I was truly inspired by something, not regularly. Some months I didn’t post at all other than my Debt Free Journey Reports. I let those months go to waste because I wasn’t being on purpose with my business. I wasn’t actually working on it, so I wasn’t making money. The more consistent you are,…

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Debt Free Journey Reports

June’s Debt Free Journey Report

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. 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 $14 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. There have been days were I have completely questioned my sanity. I sometimes wonder why I don’t just make minimum payments forever like everyone else. “Sometimes, you have to like like NO ONE else, so someday you can LIVE like no one else.” – Dave Ramsey

Debt Free Journey Reports

May’s 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! Thank you! 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. 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 $14 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. There have been days were I have completely questioned my sanity. I sometimes wonder why I don’t just make minimum payments forever like everyone else. “Sometimes, you have to like like NO ONE…

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Money

8 Things I Learned From NOT Spending Money

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! Thank you! You can read more about it in my Disclosure Policy.  During the Month of April, I spent almost no money. I feel like I did great on my no spend month compared to what I expected. I didn’t pay off as much as I hoped I would have, but it was still super exciting to push myself to get creative. The whole debt free journey has taught me a lot about what is important to me and what I can live without. I think the thing it has taught me the most is that no great journey is ever as easy as “just the numbers.” I can make my spreadsheet with my budget look fantastic, but it is all about when that paycheck comes in and how I handle it. 8 Things I have Learned by Not Spending Money 1) I don’t eat out nearly as much as I thought During my no spend month, it wasn’t actually that hard to not eat out, but now that I am out of it, I have eaten out more in May than I would have all month if I would have just done it in moderation during April. It seems to go in spurts. Some weeks I am on top of planning and others I am not as good about it. Right now I am trying to get back off my binge from eating out because I have probably eaten out six times since the beginning of May! Eeek. I need to get back into the swing of things. My biggest struggle was probably planning breakfast. When I am on the go, I have very little time for breakfast in the morning, but it is a meal that I will not skip. I found myself giving in to breakfast on the way to work a few times during the month. Lack of planning really…

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Money

Week Three: NO Spend Month

The farther that I get into the month, the more I find myself slipping up or at least considering it. Week Three was way harder than I expected it to be. I clocked out with 66.85 hours this week. It was a STRUGGLE because I was so tired by Sunday. Sunday’s are usually my organization days, but I had a lot on my to do list. I still needed to drive back to my parents. Meal prep, go to the gym, and get some stuff done for work. Good News for the week: My dad fixed my brakes on my Jeep, so all is great! I am finding it harder and harder to stay motivated to keep up with my writing. I would rather be writing than working a billion hours, but I am also working some extra hours to pay off my debts. I can’t wait to get into a routine where everything actually works out, but I am slowly working on it! This week I learned a lot about staying organized and prioritizing when it does come to my free time. I also learned that after 13 hours at work, I have very little will power when it comes to food. SPENT DURING WEEK FOUR: Super Saver Groceries   $  31.15 Sam’s Club Gas:       $ 25.00 Additional Gas: $10.00 Total: 66.15 Spent this week 16.15 Over Budget Paid Off: Student Loan #1: $104 Jeep: $77.88 Total Debt Paid Off This Month: $1,088