Get Out of Debt!

If Frodo can Destroy the Ring of Power, You Can Get Out of Debt!

Disclaimer: This post may contain affiliate links. I would earn a little money with no extra cost to you. The opinions expressed are my own. Read my disclaimer to learn more. How badly do you want to get out of debt? The answer to this question will determine the lengths you’ll go to pay off your debt as soon as possible. Last weekend I watched Lord of the Rings, The Fellowship of the Ring. I’m a HUGE fan of Lord of the Rings, but I never realized how awesome Frodo […]

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Do you have a budget? 5 Reasons to Start a Budget Today!

5 Reasons You Need to Start a Budget Today!

Why do you need a budget? There are so many people who make new years resolutions to save more money, spend less money, or pay off debt. Maybe you think that you don’t really need to make a budget because you can just keep track of everything in your head. I used to think that. I used to keep a mental note of how much money was in my checking account so I could always pay my bills, or go out with friends and not overspend. The thing is though, […]

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Get Rid of Your Car Payment

10 Things You Can Do Instead of Making a Car Payment

Disclaimer: This post may contain affiliate links. I get a small commission at no cost to you. Read my full disclaimer for more details. 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 […]

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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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New Year Fix Finances After Holidays

Getting your finances back on track after the holidays

First off, for any new visitors, let me introduce myself. My name is Jamie Griffin, or Mr. Jamie Griffin around here, and I am a middle school teacher. Aside from teaching, my other great passion in life is teaching people how to get out of debt and get ahead in finances. I graduated from college with about $50,000 in student loan debt, which jumped up to $90,000 when I got married. In the last four years, my wife and I have worked extremely hard to become debt free. We will […]

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Google Sheets Budget Spreadsheet

Using a Debt Log and Debt Snowball to Conquer Your Debt

Disclaimer: I have written this post only because I believe in and use Dave Ramsey’s methods and strategies to pay off debt and want to share it with you. I have not been compensated in any way for my thoughts or for this post. It was so fun to hear all of your feedback on my last post about why I started budgeting! Here is the second post of the “Choices We Made to Get Out of Debt” series outlining how to create a Debt Log and the incredible effects […]

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