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Student Loan Forgiveness

How Legit is Student Loan Forgiveness?

Everyone and their sister are on some kind of special payment plan for their student loans. But some people get so overwhelmed with the options they just don't bother with them. With all the talk about student loans, debt, and wealth building I'd be remiss not answer the question: How Legit is Student Loan Forgiveness? When we made the final payment on my $51,000 federal student loan (Which ballooned to almost $60K with interest.) Pressing that button (actually those three buttons) was a surreal experience. In full disclosure, we paid off almost $78K of car and student loan debt on our…

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Think Like A Millionaire

How to Think Like a Millionaire (So You Can be One!)

I just finished Keith Cameron Smith’s book The Top 10 Distinctions Between Millionaires and the Middle Class. It blew my mind to learn how deep some of these traditional money mindsets are ingrained in us, and how constrictive they are! 10 Distinctions is an amazing book that everyone who wants to be successful with money should read multiple times. It’s a short, easy read, that gets to the point and makes you reconsider the assumptions you’ve had about money, at least it did for me. Without giving too much away, here are the points and what I learned from reading the book. 10)…

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Side Hustle Income Report

Final 2018 Side Hustle Income Report & Month 12

Happy new year! It's the final side hustle income report of 2018 AND my 2018 wrap up post! Rest of the year’s reports: January’s Side Hustle Income ReportFebruary’s Side Hustle Income ReportMarch’s Side Hustle Income ReportApril’s Side Hustle Income ReportMay’s Side Hustle Income ReportJune’s Side Hustle Income ReportJuly’s Side Hustle Income ReportAugust’s Side Hustle Income ReportSeptember’s Side Hustle Income ReportOctober’s Side Hustle Income ReportNovember's Side Hustle Income Report Amazon Finally got back to me with a cryptic message (albeit from a seemingly real person) basically saying “suck it.” You can read more in my Merch category but if you don’t…

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Side Hustle Income Report

2018 Side Hustle Income Report Month 11

Happy holidays! Things have been crazy over here, being pregnant and all. I went from doing nothing but watch Saturday Night Live reruns in the fall to embarking on an entire site redesign and rebrand right before Christmas! As you all can see, Saving with Spunk is now Modern Frugality! The transformation is almost complete and I am so happy with it. There are still some kinks so if you see any feel free to leave a comment here and I'll get on it. And thank you! And even though I still have one more 2018 income report to do…

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Minimalist By Monday Planner

The Minimalist by Monday Planner

Frugality is a natural pathway to minimalism and vice versa.  While paying off $78,000 of debt we thought hard about what we really used so we could sell what we didn't need. And as I learned to spend less I brought fewer things into my house. It's this magical combination that introduced me to minimalism. Maybe you came to frugality through an interest in minimalism. The two are beautifully intertwined. But what helps you achieve one doesn't always help the other. So I made a planner to help you transition from cluttered mess to a minimalist life with less stress!…

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Financial Freedom Planner

The Financial Freedom Planner

When we were paying off debt we were laser focused. It was a blessing and a curse. But now that we're done and working on other goals, I wish we'd started thinking about these things way sooner. So I created a planner that would help you do just that and it's available now! Plan for the future without distracting or confusing you from the path you've committed to. The Financial Freedom Planner is your guide to lead you through your journey to pay off debt, increase your savings rate, or find your "why" for getting your financial life together. The…

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Side Hustle Income Report

2018 Side Hustle Income Report Month 10

This update is going out late this month but with very good reason. Many things can change in the course of a month. on November 5th I was featured in an article from Money Magazine (Time Magazine's finance publication) about Merch by Amazon. Well, two days later I get an email from Merch saying that "after further consideration" my account has been reinstated. Huh. So what does that look like? Only 7 of my 150 shirts look like they're going to go back up. However, those shirts have been in "processing" purgatory for over a week. Amazon also paid me…

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Side Hustle Income Report

2018 Side Hustle Income Report Month 9

I've been really hesitant to do this update! You all know why. I did email Merch after my termination and gave them all the facts without any of the sob and they still decided to keep my account terminated. So this will be my income report without that income. I'm still selling shirts on Etsy but it's clearly not the same. Meanwhile, I'm working on another website. Instead of designing T-shirts that serve no purpose in the great scheme of things (except to pad my bank account) I want to design helpful things that align with my passion: helping people…

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Side Hustle Income Report

2018 Side Hustle Income Report Month 8

This month was a month of really hard lessons learned and they're causing me to rethink my whole online business strategy. First: My Merch by Amazon account has been terminated. Last night I had 8 shirts taken down for copyright infringement. Amazon is super strict about copyrights. I've had designs taken down that were original designs but were deemed too close to another design or some trolls get "report to Amazon" happy. I don't object because my strategy has always been lay low and fly under the radar. But I'm guessing those take-downs caught up to me because by the…

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Side Hustle Income Report

2018 Side Hustle Income Report Month 7

Guess who's back? Back again! Sorry not sorry for getting that song stuck in your head. Here we are again with another installment of "what I made outside of my full-time job!" Here's the rest of the year for reference: January's Side Hustle Income Report February's Side Hustle Income Report March's Side Hustle Income Report April's Side Hustle Income Report May's Side Hustle Income Report June's Side Hustle Income Report Previously I haven't had a goal with these reports. I just wanted to share what you could realistically expect to make doing a few of these things and track my…

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