Our theme song for the month should be Rick Ross’s “Everyday I’m Hustlin’” because that’s exactly what we did this month. I mentioned in September’s Debt Payoff Report that it was officially Q4 and this was the time when digital media influencers made the bulk of their income. For the most part, I wait for brands to come to me but this month I’ve been sending out all sorts of feelers which resulted in securing some great campaigns. I also want to thank everyone who has sent over their own debt payoff reports to me in the form of emails…

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The use of money envelopes in budgeting is not a new system, but it is one that is lesser used. Growing up the only kind of budgeting I knew about was the ledger in a checkbook, remember those? I used a form of the money envelope system when I was working as a server at Applebee’s and RedLobster. It helped me to divide up my tips into different categories instead of blowing it all on a new outfit or some other extravagant item that I definitely did not need. As I’ve mentioned before, we use multiple methods of budgeting to…

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Most people assume living Broke On Purpose is all about sacrifice, which is not the case. The key with Broke On Purpose is about setting priorities and sticking them. One of our budget categories is date night, and each month we look forward to using that category for all it’s worth. There are a few things we like to do the make our date night budget go a little further. Look for coupons and specials to restaurants and events. Sometimes restaurants have coupons for filling out surveys or signing up for their email club. These savings can stretch your budget.…

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At the beginning of this whole get out of debt thing I decided that I wasn’t going to do any balance transfers. If you think about it, Balance Transfers are exactly what they say they are, a transfer of a balance from one place to another. To me, they didn’t fit with our whole debt payoff plan. We were going to debt snowball this thing all the way until the very end. Then we got to our student loans, and it was time for us to be more “woke” about our situation. I’ve done three balance transfers pre Broke on…

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It’s officially my favorite time of the year! FALL! I love Fall for so many reasons, two being I’m not dying from the heat and humidity, and I also get to wear some my comfiest clothes! As you can see, I’m pretty easy to please. September was absolutely crazy for us. We had an amazing opportunity to share our story as well as two methods we used and are using to get of out debt on the Rachael Ray Show. I still want to pinch myself every time I think about it. At the beginning of the year, I wrote out…

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