College Education - College is Expensive! CollegeBacker Makes it Easier to Save

College is Expensive! CollegeBacker Makes it Easier to Save

Disclaimer: This is a sponsored post and may contain affiliate links. Compensation was provided by CollegeBacker. The opinions expressed are my own. Read my disclaimer to learn more. Do you know how much college costs? The quick answer, a lot. The long answer is, it’s complicated. It depends on the answers to so many questions. Is your child planning on going to a private or public college? Will he/she be going to an instate or out of state University? Does your child want to go to a 4 Year University […]

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Relationships and Money

Why Talking About Money is the Best Medicine for Your Relationship

Can you guess the two biggest pain points in just about every relationship? Most couples biggest pain points are money and sex. Since this is a personal finance blog, you probably want to hear about money. 😉 Think about your relationship. If you’re single, think back to a past relationship. What do you and your partner argue about the most? Where does money rank on that list? I’m willing to bet it’s toward the top. What if there was a way to minimize the stress caused by money? The good […]

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We Paid off $73k Student Loan Debt in 4 years

How We Paid off $73k of Student Loan Debt in 4 years

I first started this site to share our debt free story and help families get out of debt. I’ve shared bits and pieces of our debt free story, but never the full sha-bang. Well here it is. On May 27, 2017 my wife and I became debt free, paying off $73,000 of student loans in just under four years. In this post, I want to show you exactly how we did it and give you hope that it’s absolutely possible to pay off your own student loans (or any debt […]

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We're Having a picture. Newborn Baby

We’re Having a Baby! We’re Preparing, But Still Clueless

The title says it all, We’re having a Baby!!!! I can’t even describe how excited I am to be a Dad. My wife and I get giddy just thinking about being parents, and learning about all the amazing ways our tiny baby is growing. In case you’re wondering, at 19 weeks, the baby is the size of a tomato and weighs half a pound! For the most part, we don’t feel too freaked out or terrified that we’ll soon be responsible for an entire human life. I mean, there’s a […]

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You Need to Be Teachable

To Improve Your Finances, You Need to Be Teachable

There are experts everywhere. I believe anyone can learn anything they want, if they find the right teacher. I believe if you really want to change and to improve your finances, you need to be teachable! True change requires knowing that you don’t have all the answers. If I want to change, I need to find someone who can teach me what I need to know. If improving your finances is a high priority, it’s time to find experts to teach you how to change. Most People Aren’t Willing to […]

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Chicken and Sushi - Can You Stop Going Out to Eat for 30 Days?

Can You Stop Going Out to Eat for 30 Days?

One of the cornerstone pieces of Jenna and me paying off $73,000 of student loans in less than 4 years came from a single decision. We chose to trust Jesus when He asked us to stop going out to eat. It sounded crazy, radical, and downright impossible. But we said yes, and it’s been life changing. Eating Out vs. Cooking Family Dinners Eating out is easy, convenient, and much more efficient than cooking meals at home. There’s no preparation and no clean up. However, you’re paying for a service and […]

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Get Rid of Your Car Payment

10 Things You Can Do Instead of Making a Car Payment

According to Experian Automotive, the average American pays $493 a month for a new vehicle and a little bit less if you lease at $412 per month. Nowadays vehicles are fancier, have more features, and are ultimately more expensive, which causes an increase in monthly payments. Next to student loan debt, auto loans are one of the leading causes of debt in America. What could you do with an extra $500 in your budget? If you’re not sure, I’ve come up with a great list of 10 things you can […]

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The Road to Debt Freedom Starts Now

Want to Get Out of Debt? Start Here, And Start Now

Let me tell you a story about someone who got in way over his head with debt. When he graduated college and started his first big boy job as a paraprofessional, he thought he had it made. After all, the American dream is to go to college, get a job, and live happily ever after. The problem was he had way too much debt, and not nearly enough income to match it. The numbers lined up something like this: $50,000 of student loan debt, $1,500 credit card debt, and a […]

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Finding Hope in Your Finances and Budget

It’s Not Too Late! You Can Still Turn Your Finances Around!

It’s easy to look at your financial situation and decide, “I’ve made too many mistakes, there’s nothing I can do about it now.” Maybe that’s what you’re feeling right now. Maybe it’s easier to give up and live forever with your financial mess-ups. The truth is, giving up is easier, at least in the short term, but it also requires you to settle for less than you’re capable of. In this post, I am going to to share some of my less than stellar choices that led me into $90,000 […]

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Debt Free Shopping Spree

What Debt Free Looks Like So Far

On May 27, my wife and I finally paid off our student loans! After about 4 years of crazy hard work, extra jobs, limited spending, we are free of student loan debt! It’s actually kind of a weird feeling. In a couple days we will finalize our monthly budget, and we don’t have a specific place for the extra money to go (at least not yet). Before, it was always about our student loans, so at the end of the month we made an extra lump sum payment to knock […]

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