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Crush Debt & Enjoy Life​

Don’t Just Make Payments, Make Progress!


EST. 2014


I’m Liz, the one on this site talking about money and drinking wine when looking at a budget (which is how I managed to pay off over $6,000 of credit card debt in 6 months).

And if you’re here, then I’m guessing you’re looking to take control of your finances without having to sacrifice having a life.  Here you’ll find information on:

  • Personal Finance Basics (everyone should know)​
  • Paying Off Debt (particularly student debt)​
  • Affordable Living (the good life doesn’t have to cost a fortune)​
  • Earning More Money (your way, with or without the hustle)​

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You Ask, We Answer​

Get the answers to all your burning money questions with our Frequently Asked Financial Questions Series.

There are loans available that only require you to have a down-payment of 3.5%. That being said there is a lot more to owning a home than just a mortgage.

There is the upkeep of a home, repairs, and whole responsibility for everything. So it’s smart to make sure you have enough to not only cover a down payment and closing costs but also enough to cover any repairs or changes you might want or need to make to the home.

While you may only be required to put down a small percent, the more you put down the less you have to pay back later. This is particularly important if you want to avoid paying mortgage insurance.

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Not really, unless you are looking to have them forgiven through the public service loan forgiveness program in which case yes, after 120 qualifying payments the remainder is forgiven. The other federal income-driven repayment plans require the forgiven amount after the 20-25 years be considered taxable income.

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Pretty damn important if you ever want to borrow money or open up a line of credit. If you’re already rich and can pay for everything in cash, your credit score may not be so important.

Lenders use your credit score to determine if you are someone likely to repay money that you borrow. Basically, they use your credit score to determine your creditworthiness. If you have a low credit score you may not be able to get the line of credit you need, be it a car loan, mortgage, personal loan, or new credit card.

Your credit score ranges from 300-850. The higher your score, the better.

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Private student loans might not have the flexibility in terms of repayment that federal loans do, however, with federal loans you can’t refinance them without losing that flexibility.

No, private student loans, unlike federal student loans, can be refinanced without losing flexibility. In fact, depending on who you refinance with, might give you some flexibility. Also, if you’re doing it right you will actually save money since you will be repaying the loan at a lower interest rate.

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Money 101

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