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Crush Debt & Enjoy Life​

Don’t Just Make Payments, Make Progress!

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ARE YOU FOCUSED ON​

Paying Off Debt?​

Wanting to take control of your money so you can crush your debt, earn more, and have more cash money in the bank? Choose a category to get started with below!

Pay Off
Debt

Making the minimum payments won’t cut it if you want to destroy your debt. 

Yes, I want my debt to die a painful death →

Earn More Money

Wanting to earn more cash money to help you plump your savings safety net or destroy your debt? I’ve got you covered.

I’m Ready to earn those dollar dollar bills →

Save More

Paying off debt is really only possible if you’ve got a savings safety net to catch you when ish goes sideways, learn how to pump up your savings.

Yes, I want a savings account scrooge mcDuck would envy →

are you focused on

Living Better on Less

Life can be oh so short, too short to not go after what you want and enjoy it every chance you get. Just because you have debt or maybe don’t have a ton of money, doesn’t mean you can’t live life to the fullest!

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Frugal Living

A few adjustments can save you tons without having you sacrifice your lifestyle.

I’m ready to cut the cost without cutting my latte →

Travel Cheaper

It’s a big world out there and you shouldn’t put off seeing it, learn how to travel for less!

Yes, I can’t wait to see the world →

Gift Guides

Gift giving whether it’s for a holiday, birthday, or just to celebrate something fun, don’t miss out because you don’t have a huge budget.

I love shopping for gifts that don’t cost an arm and a leg →

EST. 2014

Welcome!

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)​

General Resources

The Guides And Tools To Get You Going​

Guides

Just getting started figuring out this money management thing? These guides will help you get a handle on it without the guilt trip.

Teach Me All the things please →

Resources

Find what tools, companies, and other goodies we recommend (including the best freebies).

Yaas! I’m tired of researching all the things →

As Seen In

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Check Out The Most Recent Articles​

Access All our content via our blog!

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You Ask, We Answer​

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

View the 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.

Read the Full Answer Here