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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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Thoughts and Feelings on the Start of our Last Month in Debt

We are officially in our last month of being in student loan debt. I thought this month would never come, but here it is. How I’m feeling about being almost debt-free. I’m not good at writing about feelings. If I take the time to write something I want it to help people, not give them an inside look at what’s going on inside my brain. But I see a lot of posts about people “in debt” and “debt free” but not many about being “almost out of debt.” We're one month away from completing the journey of paying off $78,000…

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Ways To Do A No Spend Challenge

9 Ways to Customize a No-Spend Challenge to Kick Start Your Financial Goals

Completing a No Spend Challenge can do more for your finances than keep a few dollars in your bank account. Which of these 9 ways to do a No Spend Challenge is right for your financial goals? We’re on the cusp of paying off $78,000 of debt in less than two years. I’ve incorporated No Spend Months a few times over the course of our journey, usually after a big budget flop. I’m really bad at moderation. I’m very all-or-nothing, which has made it easier to commit to paying off our student loans but also makes me a horrible budgeter.…

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Best Summer Ever

Countdown to Student Loan Freedom – 120 Days to go

We’re putting 59% of our total income toward achieving student loan freedom. Want to see the budget we’re using and how we’re spending the other 41%? You’re in luck. When I say we paid off $53,000 of student loan debt in a year people are flabbergasted. They think it’s awesome but they always have an excuse as to why they can’t do it. “My loans are three times as much as yours.” “I have a kid, I can’t work any extra hours.” “I literally can’t think about my loans, it gives me anxiety.” We don’t have lucrative jobs, we didn’t…

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Real Life Budget

December 2016 Budget

Are you ready for this? We paid $5,000 of our student loan debt in one month.   That’s crazy even for us! We were able to do this for two reasons: the budget and some discipline. UPDATE: As of August 31, 2017 Travis and I are STUDENT LOAN FREE! We paid off $77,646.54 in 23 months! We never have the perfect budget. In the 14 months we've been doing this we've always had to tweak here and there to make it work but paying off our student loans is the priority and that puts all spending into perspective. Over the last…

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My New Favorite Planner For my Money & my Life

Want a peek into my life? I am notorious for having a separate monthly and weekly calendar, notebook for to-do lists, meal planning, and grocery lists, and that’s just what’s at my bedside. I also have a scrap piece of paper with our debt pay off goals/progress and I am constantly scribbling on whatever I can get a pen on. The Struggle is Real And I’ve never been into big, beautiful, personalized planners. They sound nice, but with everything I’m trying to keep track of, I’d still need my scraps of paper to keep everything recorded. But when Lauren Greutman…

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October 2016 Budget

Today is our first anniversary! I remember thinking the day would never come and now it’s been a year. Crazy. Our first year has been pretty great. I only cried a few times and they were both on our honeymoon so I got it out of the way early. Related: 3 Habits for Blissful Money Management I started this blog last month to keep me motivated and help people who want to get out of debt. When I started I didn’t even know what financial freedom was or what it looked like. I want to help you discover that there’s…

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