Adjust the Action Steps

Adjust the action steps |

“When it is obvious that goals can’t be reached, don’t adjust the goals, adjust the action steps.” -Confucius Sometimes not meeting a goal isn’t your fault. Sometimes things happen that you could have never predicted. And that’s ok. The sooner you realize something isn’t working, the better, because you can adjust. Adjust quickly and strategically. You can still meet your…

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How Natalie Paid Off $30K of Student Loans in 2 Years Using a Spending Fast

Natalie's Spending Fast Story |

I stumbled upon Anna’s blog ( three and a half years ago when I was in my final semester of college. As I was looking for my first post-grad job, I was so discouraged by my potential income versus my mountain of debt. Although $30,000 was a pretty average amount of student loans, after I paid the first few minimum payments I realized just how long it…

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The Secret is Patience

The Secret is patience |

“Adopt the pace of nature. Her secret is patience.” -Ralph Waldo Emerson I’ve never been a patient person. Patience has always been difficult for me. But nothing good comes quickly. It takes time to save money. It takes effort every single day. And it takes time to achieve my goals. My new mantra is to be like nature. Her secret…

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How Darlene Paid Off Over $35K in 1 Year By Doing a Spending Fast

How Darlene Paid Off $35K in 1 Year By Doing a Spending Fast |

I cannot believe it has been more than a year now since I picked up Anna’s book and decided we NEEDED to do a Spending Fast and, in addition, that we made it through almost a whole year of a Spending Fast.  It has been an interesting and enlightening year (to say the least), and without any further ado, here is where we landed:  Total Debt Paid off: $35,745 (SF…


Correct Your Mistakes

Correct your mistakes |

“A man must be big enough to admit his mistakes, smart enough to profit from them, and strong enough to correct them.” -John C. Maxwell It’s hard to learn from your mistakes. It’s embarrassing and shameful and tiring. But learning from your mistakes is an essential part of life. Admit your mistakes. Don’t be ashamed. It feels good to admit…

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The Committee of Sleep

The Committee of sleep |

“It is a common experience that a problem difficult in the night is resolved in the morning after the committee of sleep has worked on it.” -John Steinbeck Sometimes at night my brain goes into overdrive. What should I have for breakfast? What do I need to do tomorrow? Did I switch out the laundry to the dryer? What am…


The Millennial Generation and Student Loan Debt

The Millennial Generation and Student Loan Debt |

  I was born smack-dab in the middle of what most people label the Millennial Generation. There are a ton of stereotypes about us, but the one I find to be the most accurate among my peers is we live for the moment. We might have a savings account, and some of us have a 401k, but it’s rare to…

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Patience is the Companion of Wisdom

Patience is the companion of wisdom |

“Patience is the companion of wisdom.” -Saint Augustine All good things take time. I think we all know this deep down, but it’s hard to remember. We don’t live in a patient society. We want change to happen right now. Right this instant! But be patient. Work hard. Good things will follow. How are you staying patient and strong? Talk…


July’s Collective Savings Totals are In!

July Collective Savings |

It’s that time of the month where we get to see how all the hard work we’ve been doing with the Spending Fast and Spending Diets have been paying off!  I’m happy to report we’re back on track with another GREAT month! Are you ready? In July, we saved an incredible $80,997.78! That brings our Collective Savings total to $2,707,071.36!  You…


Create The Capacity To Receive It

Create the capacity to receive it |

“Everything comes to us that belongs to us if we create the capacity to receive it.” -Rabindranath Tagore Sometimes creating capacity to receive things means carving out time in your day for you or creating a small space in your home to exercise, or write, or pay bills. Creating capacity is essential to help you achieve your goals. Things will…


5 Ways I Reduced My Spending to Pay Off Credit Card Debt Faster

5 Ways to Reduce Spending to Get Out of Credit Card Debt Faster

  Having lived in a bustling city, where you find you are required to pay for things left, right and center, using my credit card just felt like a natural impulse and a much easier way to get what I wanted faster. It basically felt like free money! However, after a while, I started dreading the delivery of my credit…


Renovating Like a Pro Without the Money Woes

Renovating Like a Pro Without the Money Woes |

A lot has been said about us millennials, and something else came up recently. A  survey released in May by Houzz & Home, a home remodeling and design platform, said more and more millennials, especially those who bought a house last year, are renovating their homes. The cost? An average of $26,200 to $33,800. However, says the drawback is the financial constraint home upgrades and renovations entail. They add that only one out of four millennials have basic financial literacy. I guess this all boils down to…