financial emergency

***This is a Guest Post written by Rebecca Williams. <3 from the Dames*** We’ve written about financial emergencies before (you know, in the lose-your-job way), so it’s always good to get a refresher on how to prepare so you aren’t stuck using your credit card (guilty) or having to borrow from friends. Everyday transactions require careful financial planning. Nowadays, people generally have prepared budgets for everyday expenses, credit payments, insurances and even personal investments. In a world where money and cash equivalents move society, budgeting has become a standard. For the general public, financial stability means securing one’s retirement, owning a house, and being able toRead More →

financial emergency

Welcome to Part Five 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, Part Two, Part Three, and Part Four! If you follow our Twitter, then you know I recently spent several hours getting some unexpected, but necessary, car repairs (boo) AND then I moved in with my boyfriend this month (yay). While it’s obviously important to maintain my car and moving in together will eventually be cheaper for me, these were two big purchases that I hadn’t planned for at the moment. This is why youRead More →

happiness

Hi friends, Just wanted to let y’all know that Dames in Debt was recently featured on The Pursuit of Happiness! We were part of their 2017 Happiness Day Interview Series! You can read our post here, just look for the Q&A headline. <3 from the Dames For more information on the 2017 Happiness Day Interview Series: My name is Wes, creator of thePursuitofHappiness.me.  I won’t bore you with the full details of the inspiration for the site.  To share a little bit though; growing up in America, I had always been taught about this nation’s founding documents and I heard all the time about the Declaration of Independence andRead More →

#finlit

As you guys know, I’ve been reading money books (#finlit) throughout my personal finance journey. I’ve found that reading personal finance books keeps my motivation up, plus there’s always more to learn. Recently, I finished Suze Orman’s The Money Book for the Young Fabulous and Broke – her book devoted to helping millenials/me. I haven’t read any of Ms. Orman’s other books, but this was definitely a good personal finance primer. It covers everything from how to get a job that will pay your bills to buying your first house. It also has whole sections devoted to your credit score, how your relationships can affectRead More →

groceries

Major grocery confession: I don’t do coupons. I don’t look for them, I don’t cut them out, and I certainly don’t remember to take them to the store. I also don’t buy in bulk but that’s mainly for storage reasons. I use coupons if and only if they are attached to the item I’m purchasing. Sad, I know – especially given my food budget woes. To make up for my lack of couponing & help stick to my 2017 financial goals, I’ve decided to start using two grocery apps, Ibotta and Checkout 51. Ibotta The first of the rebate apps, which covers all kinds of products,Read More →

slow cooking

As I mentioned in my 2017 financial goals post, I am planning to stay within budget for the whole year, which includes my notorious food budget. To help myself out on this fairly ambitious goal of mine, I’m going back to an old, money-saving favorite of mine: the slow cooker. As a mini-goal, I plan to make at least one slow cooking meal per week…for the whole year. That’ll be 52 recipes for those of you playing at home. Before we get to the recipes, I wanted to share my machine of choice. In case anyone is in the market for a nice, decent, money-saving simpleton, thisRead More →

start your own blog

When my sister and I started blogging for Dames in Debt, we had no idea where it would take us. As it turns out, it took us straight to being uber-focused on our financial goals, and hey – that is definitely not a bad thing! We also gained a new hobby out of it, and it’s been especially fun working on the website aspects of Dames in Debt. With a year under our belts, we decided we’d share with you all what we did behind the scenes to start blogging. How to Start A Blog (just like us!) 1. Get creative! If you want to start aRead More →

payoff series

Welcome to Part Four 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, Part Two, and Part Three! 23% of Americans — and 36% of Millennials — experience a debilitating degree of stress surrounding their finances. According to Payoff, this financial stress affects people’s thoughts, feelings, and behaviors – and don’t I know it. Stress over how to pay my credit card bill is actually what drew me to Payoff in the first place. Refinancing my loan helped me a ton, but there are additional ways toRead More →

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 →