Debt Free Journey Reports

November Debt Free Journey Report

  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 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,…

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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!

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

June’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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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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Millennial Stuff, Money

Why I Don’t Regret My $29K In Student Loan Debt

Student loans are such a dumb and tricky debt when it comes to a debt snowball. I started this journey with about $29,000 in student loan debt left to pay and no degree as of right now. All of my general education credits are complete. I just need to decide what degree to pursue and commit to it. The main problem with that is that I have zero idea what I want to pursue as a degree. That’s a story for another day. I have paid off over $15,000 in debt in one year, and plan to finish October 2018. If you want to check out my current progress, check out my Debt Free Journey Reports.  The Dave Ramsey book changed my life and outlook on money. I refuse to get into anymore debt, because of The Total Money Makeover. A lot of people have asked me if I regret taking out student loans or if I wish I would have done it differently. My student loans are almost 100% of the reason that I have debt. They are the reason that I am on this debt free journey. I don’t regret my student loans one bit.

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

Money

Week Two: No Spend Month

  The holiday and work made week two a little hectic, but I am finally sitting down to get caught up! Have you ever had something totally unexpected happen and it was completely out of your control? Well Sunday while I was at drill, I get a call from my roommate asking me if I paid the water bill. Yes. I did. She tells me that the water isn’t working in our entire apartment. I ask her to check with the neighbor and sure enough the entire complex is without water. I get home that night. The weather is warm for this time of year and we have nothing cold to drink in the apartment. I met with someone at Target to sell an item from one of the Facebook For Sale pages. As soon as I got that money, I went into Target to get a gallon of water (which I am usually against buying water, but it had to happen). As I was walking to check out, I saw cake mixes for $1 and frosting for $1.50. I gave in and got the supplies for two cakes. Brittney and I spend our water-less evening making cakes. While I still count it as part of my grocery budget, it definitely wasn’t the kind of spending I had planned. It was so worth it though. It gave us something to do instead of complain about the lack of water in our apartment and we spent most of the evening laughing in the kitchen. I managed to make it through the drill weekend without spending money on lunch or any other food cravings. That being said, I have a long list of restaurants that I can’t wait to eat. One major lesson I have learned from the No Spend Month is that you don’t have to give into your food cravings. The other night, I desperately wanted Taco Johns. I didn’t give in. Instead I went home and used some chicken to make chicken tacos and I happened to have tater tots in the freezers. What could have cost $8-12 for…

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Food, Money

The Number One Grocery Shopping Secret to NEVER Going Over Budget Again!

Are you constantly going to the grocery store, dropping a ton of money, and wondering where it went! This is the grocery shopping secret that will save you tons of money on your budget!

  I love to eat.  I will be super honest about it too. 90% of my day is spend eating or planning out the next time I am going to eat. When I am on a good workout routine, I eat every 2-3 hours. This means that groceries seem to be a never ending expense and it gets old! I honestly feel like I go to the grocery store 2-3 times a week, but I know it isn’t that often. I can’t believe how often I have to go back to the store to get one thing or another. It is so easy to drop $100 at the grocery store and walk away feeling like you barely have meals for the next week! Also, you probably forgot the one main thing that you went to buy from the grocery store. Does this sound familiar? One thing that helps is that I attempt to only go to the store once a week. Even though I try to make it in the fewest trips possible, it can get so expensive if I am not paying attention to what I am putting into my cart. I try to always go with a list so I know what I am going into get. Along with anyone trying to save money, I have read over so many “Save XX amount on groceries” articles. So many that I can hardly remember most of them. I slowly started saving money, but it wasn’t until I started waitressing that I actually realized the best way to save money. Groceries is always a struggle because it is an essential purchase. We can’t just stop eating, but it is expensive. Whenever someone is looking for budgeting advice, they are usually asking for ways to cut grocery costs. It is one of the easiest things to spend money on, but it is also one of the easiest places to cut from as well.

Money

5 Rules To Make the Most of My No Spend Month!

Have you ever looked at your spending and questioned why you even needed certain things? Why do I spend so much money on clothing/supplements/contacts or really just anything in general? I have started looking at my budget and questioning whether I really need to spend money on some things. I don’t honestly buy clothing very often, but usually when I do it’s pretty costly. Other bloggers plan for a no spend month to reset their budget and get back on track. So much reading has gone into the planning for this month, but I am excited.  I am currently planning a No Spend Month for April. It is exactly what it sounds like. I won’t be spending any money during April. My budget for April is going to be strictly bills, a little for some groceries and gas.  I am not planning to put any money in any of my “extra” funds. During the month of April, I am working full time for the military as well as at Applebee’s 4 days a week. I am extremely excited about the money that will be coming in during the month of April so I decided that I wasn’t going to spend money on anything I didn’t need to. Having the military income will be such a nice addition, which makes it the perfect month to lock down and not spend any money. Usually, having this much extra income, I would be excited to be able to buy a few extra things that I have been wanting to get, but instead, I am going to really focus on sending every extra penny towards my debt payments! As always, I have audacious goals. My goal is to pay off a total of $3,000 in debt during the month of April. This is about 2 times what I have been paying off on a good month so far. I have been averaging about 900-1,500 on good month so far. I am tremendously excited to see how much I actually pay off by not spending money. My overall goal is to completely get rid of…

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Millennial Stuff

All About This Sagittarius Stuff

  When I first chose the name “The Savvy Sagittarius” for my blog, I just thought it was playful and cute. I wasn’t that deep into my horoscope, but I was beginning to learn. I follow a few horoscope sites on my social media and some days it is completely spot on. Some days I am amazed with the personality that comes out of my horoscope. While I don’t really pay attention to a lot of the theories behind the horoscopes, I do think they are extremely inspirational. The daily posts are motivating and encouraging, especially when they are completely on point with what is going on in my everyday life. Below are the traits for a Sagittarius based on ZodiacFire.com and Astrology Zodiac Signs. Truest of all the Sagittarius statements that I have read, “However, although she is wild, do not expect her to fall in love with you immediately. Once the Sagittarius woman does fall in love, she will be a loyal and caring partner. If you give her a reason to think a relationship with you is going to be difficult, she will simply walk out the door. The Sagittarius woman usually has multiple love affairs throughout her life, due to the fact that she will not settle for a relationship that makes her unhappy.”