money happy

***This is a Guest Post. <3 from the Dames*** Four steps to starting the new year with a positive outlook on your finances If you’re starting the new year in debt or with a little less than you like after Christmas, then you may feel that your prospects for financial happiness are gloomy. However, you can be totally money happy in 2017 by trying out a few of the suggestions below. Being money happy doesn’t mean being mega rich, but more about being happy with your situation and using the money that you do have to live a comfortable, happy life. So read on toRead More →

2017 goals

So it’s 2017, and I’ve got resolutions just like everyone else. Except I’ve got a plan in place to actually turn my resolutions into reality by year’s end. But let’s start with a recap from last year. My 2016 financial goals were the following: Pay down my credit card (goal is to have it paid off by July 2017) Build an emergency fund (goal is to have $2500 saved up by the end of the year) Save for retirement (no real goal here for the moment…just contribute something each month to my Roth IRA) I did pretty well on them. I saved for retirement each monthRead More →

100 days challenge

Remember those resolutions you formed around January 1st? How’re you doing on them? I, for one, have failed hard at multiple of mine, and that’s what today’s post is all about. Today (September 22nd) marks 100 days until 2017! Crazy, right? This means you’ve still got 100 days to get yourself back on track with saving money, not spending money, eating better, and working out…or for me, all of the above. Here’s how it works: Consistency transforms behaviors into habits. Adopting good daily habits can only happen if you consistently engage in those habits every day. For the next 100 days, focus on engaging in oneRead More →

payoff series

Welcome to Part Three of a 6-part series I’m doing on personal loans, credit card debt, and refinancing – the Payoff Series. If you’re new here, go back and check out Part One and Part Two!   Debt consolidation allows borrowers to roll multiple old debts into a single new one. Ideally, that new debt has a lower interest rate that makes payments more manageable or lets borrowers pay off the total more quickly. Many people try debt consolidation, but not all emerge better off. Some borrowers wind up in worse shape, either because they run up their credit cards again or because their debt remainsRead More →

whole 30

Oh hey there friends. As many of you know, I’ve been struggling with eating better (and within budget) since starting this debt payoff journey. The need to stick to my food budget got a little harder last weekend, when I decided to take the Whole 30 challenge. Essentially, you’re supposed to eat almost entirely organic, whole, foods…while eliminating a lot of cheap fillers like beans and quinoa. For more information and/or to be inspired to take your own Whole 30 Challenge, read It Starts With Food: Discover the Whole30 and Change Your Life in Unexpected Ways. I’m doing Whole 30 mostly because of some physicalRead More →

payoff series

Welcome to Part Two of a 6-part series I’m doing on personal loans, credit card debt, and refinancing – the Payoff Series. If you’re new here, go back and check out Part One! Refinancing credit card debt means paying off your current debt-load with another loan. Refinancing is different than debt negotiation. In debt negotiation or debt settlement, you work with your lenders to reduce the total principal you owe by offering a fast, lump-sum payment. Refinancing means you will still have monthly payments, but they will be to a different lender. The ultimate goal in refinancing is to secure a better debt situation thanRead More →

Canadian Budget Binder

Hi friends, Just wanted to let y’all know that Dames in Debt was recently featured on Canadian Budget Binder! We were part of the 2016 Making A Difference series! You can read our post here, just look for the Making a Difference headline. Thanks so much for helping us take our personal finance journey way further than we ever thought possible! And check out Canadian Budget Binder while you’re at it! <3 from the DamesRead More →

payoff series

Last week, I told y’all about a 6-part series I’m doing on personal loans, credit card debt, and refinancing – the Payoff Series. Welcome to Part I! It’s no secret that America is in a debt crisis – student loan debt is in the trillions, the government itself is battling its own debt, and regular consumers are adding mortgages and credit cards to the mix. The average American household has $15,000 in credit card debt, and the average interest rate on those credit cards remains above 13%. Debt Stress is No Joke And how are people handling all that debt? Not well. One in five people considerRead More →

spending fast

It’s been six months since I started my spending fast journey. Honestly, it’s become pretty routine now. Not that I ever struggled to not shop, but I’ve realized how little I actually need. I’ve also realized my food budget (& not packing my lunch) is a far more pressing problem. Oh well, I’m a work in progress. Regardless, I’ve learned a lot in my six months of fasting. Here are six lessons for six months: Impulsive shopping is the worst kind of shopping. I haven’t broken my spending fast, and I’m pretty proud of that (though I did ask my boyfriend to buy me aRead More →

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