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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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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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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Family Finances Talk With Kids

3 Reasons I Talk about Money with my Students, and if you have Kids, Why You Should Too

If there’s one thing I’ve learned as a middle school teacher, it’s that students are more willing to learn if they feel a personal connection to their teacher. So, in my 2nd year of teaching, I instituted a “fun fact of the day” to start each class in an attempt to develop better personal connections to my students. I take a couple minutes to share a personal story from my life that usually happened in the previous day or two. My wife does the same thing in her classes, so […]

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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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Debt Freedom from Student Loans

Goodbye Student Loans: We Are 10 Days From Being Debt Free

It’s the final countdown. (Ba-Da-Dun-Dun, Ba-Da-Dun-Dun-Dun) We’re rounding 3rd and charging for home. We’re in the home stretch! It’s the bottom of the 9th. It’s 4th and Goal! We are 10 stinkin days from paying off all of our student loans. $90,000 in less than four years, holy crap this is really happening! If you couldn’t tell, I’m a little excited, and really into sports analogies! 🙂 On May 31st, we will have no more student loan debt (minus what is being forgiven). Starting in June, our budget will have […]

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Graduating with Student Loans

Graduation Game Plan: How to Get a Head Start on Student Loans

I graduated from college in 2011 with a dual degree in History and Teaching Social Studies. At that time, I was actually already working in a middle school as a paraprofessional. It wasn’t quite my dream job, but I was crazy happy to be working at a school right out of college, especially one that I loved! It was a great stepping stone to my current position as a full time teacher at the same local charter school. At the time, I was in bliss making more money than any […]

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Tithe to Honor Jesus in Finances

How to Honor Jesus with Your Finances

Last year I wrote a post about tithing, and it was by far one of the most popular posts on my blog. Plus, with Easter last weekend, it is a pretty fitting time to bring the topic back around. In the Bible, God asks all who follow Him to give back to him the first 10% of everything we have. That is the basic definition of a tithe. If this is a new idea for you, whether you actively follow Jesus or not, tithing can have a powerful impact on […]

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Bridge to Debt Freedom

How We Paid Off $29,500 of Debt in 2016

My wife Jenna and I started our plan to aggressively pay off our student loans in 2013. In that time we have paid off nearly all of our debt, increasing our total amount paid every year. It has been a long road, and while the end is in sight, I want to reflect a little on how we got this far. I know that most people reflect sometime in January, but March is still pretty early in the year right? Better late than never! In 2016, we had our biggest […]

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