Colorado Public Radio Interview

colorado public radio anna newell jones interview andthenwesaved.com

On Monday morning I was on Colorado Public Radio to join in the discussion about how some FICO credit scores may be getting a boost soon because medical collection debts won’t be getting weighed as heavily as they have in the past. (This is such great news!) I talked more about my story and how I got out of debt while Chad Gentry from Mpowered talked about the nuts and bolts of how the change will affect consumers.

We were interviewed by Ryan Warner, and I’ve got to say, his voice is amazing. I might have to have his interviews on repeat, so I can listen to them whenever I need to relax. Smooth and soothing with great questions mixed in.

anna newell jones on colorado public radio andthenwesaved.comAnyway!

The very first question he asked me is, “What is your credit score?” When I was getting ready for the interview it dawned on me that when I was in the thick of my debt I used to have NO IDEA what my credit score was! I was completely ambivalent. It was partly because I wasn’t applying for any car or home loans so I didn’t really have to know.  (Just wanted to clarify, in the article on the CPR site they said that I just recently found out my credit score, which is not correct. I just recently looked up my current score. While I don’t have my past credit scores memorized, I was aware of what it was after I got out of debt.)

I’d love for you to listen, and tell me what you think about the new FICO model. Do you think medical debts should be weighed as heavy as other types of debt? Do you agree or disagree with the change?

Here’s the link to the audio recording: Consumer Credit Scores Could Soon Get a Boost – on Colorado Public Radio. (My part starts up at the 6:36, if you’re rushed for time.)

 

Have you had medical debts go to collections? Will your credit score be going up?

2 comments

in Press & Interviews
13 Ways To Convince Your Partner That Frugality Is The Way To Go

how to convince your partner that frugality is the way the way to go andthenwesaved.com

Your partner/spouse may have vastly different ideas about how your joint personal finances should be managed. It seems that in relationships this is usually how the combo’s usually work out:

– One half is more in-tune with financial matters, and deals with all the money matters while the other is happy to stay out of the fray and focuses on other things that impact the relationship.

– One partner is the Spender and one is the Saver (that’s how me and Aaron are. He’s the Natural Saver and I’m the Natural Spender.)

OR one partner used to have different (more frugal) ways about money when you got together, and has, over time, changed their ways, and has started to make financial changes that you don’t necessarily approve or agree with (“Let’s spend ALL THE MONEY!! YEAH! SHOTS FOR EVERYONE!”). Now, that’s a very sticky situation.

Ideally, both people in the relationship would agree on money matters, and work towards a frugal, savings-focused financial life but what if you see things differently? Maybe you’re ready to start living in a new way, and get your debt wiped out once-and-for-all but your partner wants to keep ordering pizza every other night and is totally fine with having the mega-channel, cable package that you are convinced you don’t really need. How do you get on the same page with money much less convince your partner that being frugal is going to be TOTALLY AWESOME? Well, here are some ideas.

 

13 ways to convince your partner that being frugal is the way to go…

Read More »

3 comments

in Family & Relationships, How To, Practical Solutions, Savings, Societal Pressures, Take Action, Things To Do
Melanie Vs. The Spending Diet

Airstream Family Spending Diet andthenwesaved.com

I’m so happy Melanie is sharing her Spending Diet adventures with us! I’ll let her take it from here. xo, Anna

Hi ya’ll! My name is Melanie, I write over at Love Library, and you might remember me from some of my guest posts here at And Then We Saved. I try to save in all aspects of my life, from my wedding to my living situation. Currently, my husband, George and I live in a vintage (and paid-for!) Airstream trailer. It’s a little unconventional, but we make it work. We moved into the Airstream to get out of the paycheck-to-paycheck cycle and so George could focus on his art work. We’ve now saved enough to get us out of the paycheck-to-paycheck cycle. We have an emergency fund, George had a chance to really expand his business and we’ve even had the chance to travel.

But I also realize that for us, living in the Airstream for the rest of our lives isn’t going to be a viable option. I love the ol’ Airstream, but I can’t imagine hobbling around our humble abode when I’m 80. After all our hard work, I also don’t want to plunge ourselves into 20 or 30 years worth of debt either. (Even if it is good debt and all that jazz.) My dream is to pay for a house in cash. Sound insane? Yeah, it is insane. But I have delusions of grandeur and the Spending Diet is going to help me reach those goals.

I started the Spending Diet on July 1st, 2014 and I am hoping to continue it for a year minimum. I chose the Diet instead of the Spending Fast because I don’t do so well when I feel too constrained. For instance, If I’m told I can’t have cookies, I’ll eat ALL THE COOKIES. So for one year, I will be giving myself an allowance of $100 for the wants on my list. My husband gets his own $100 allowance. We don’t share so well.

First up is the Needs List, you might notice we don’t have rent or water. We live rent-free in our Airstream that is parked on family land and we have well water. Our cars are also paid off.

Needs

    • Electric
    • Cell phone
    • Internet (my job and my husband, George’s job requires it)
    • Food (from pre-paid CSA only)
    • Gym membership (local gym, it’s reasonable and health is important)
    • Doctor co-pays
    • Medicine (prescriptions and off-brand over the counter stuff)
    • George’s healthcare
    • Car and motorcycle insurance
    • Gas (Busing isn’t an option where I live)
    • Art supplies (for George’s job)
    • Website hosting costs (very low)
    • IRA contributions

The following is my Wants List. I listed many of the same wants as Anna. I put my big vices in italics. I love a good coffee shop coffee, expensive food (hello, Whole Foods!) and heading into a craft store feels like Christmas morn to me.

Wants

  • Travel (le sigh!)
  • Gifts
  • Coffee at coffee shops
  • Clothes
  • Books
  • Craft stuff
  • Unnecessary food
  • Self-improvement stuff (e-books, e-courses, etc.)
  • New make-up
  • Eating out
  • Movies
  • Shoes
  • Haircuts
  • Books
  • Jewelry (sad!)
  • Pretty much anything else

So, that’s it. Each month I pull out $100 in cash from my bank account and when that’s done, it’s done. I’ll be updating you all each month with my progress. Talk to you soon! Melanie

17 comments

in Do Without, Goals, Minimalism, Paying Off Debt, Spending Diet, Take Action
  • Anna

    Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Let's do this!

    Photobucket Photobucket Photobucket Photobucket Photobucket Photobucket

    Total Savings
  • Sign-up for Free Updates!

  • ModCloth
  • Featured On/In:

  • advertise on and then we saved
  • SPONSORS!

  • Categories

  • Archives

  • Search

  • Wanna Know More?

  • And Then We Saved® and Spending Fast® are registered trademarks.
    All Rights Reserved.