We’d all like to live a more luxurious life. Unfortunately, our bank account often has the final say, and will quickly put us in check when we try to go beyond our limits. There are many luxuries accessible to those on a modest budget; you just have to know where to find them. Honestly, a lot of them are right under your nose. While, your income can limit you to a certain buying power you shouldn’t let your income stand in the way of fully enjoying life. Where there’s a will, there’s a way. You can live wealth on a…

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Last week I shared with you all the Ugly Truth about Student Loan Forgiveness programs and basically ended by just telling you to pay your student loans. I hated ended the post that way since I’m more of an optimist and like to see the light at the end of the tunnel. Since I was doing tons of research on student loan repayment programs Facebook felt the need to populate the ads in my feed with various bank-based student loan repayment programs. As usual I ignored the onslaught of privacy invading ads until one in particular from a company called…

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I am so excited about the month of August because it’s my birthday month! Unfortunately, my birthday falls on a Monday (how dreadful), but at least it being my birthday will be a silver lining.  With it being the end of the month of course you know I’m going to give you the deets on how well we did with our budget and paying off debt. One of the biggest things that we did was pay off EVERY SINGLE ONE of our CREDIT CARDS! (ques Gospel Choir). This something I most definitely shouted from the rooftops. It feels absolutely amazing…

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If you’re waiting on the government to come in and swoop away all you student loan debt in one forgiving swoop you may have a long wait on your hands. In the last five months my husband and I have successfully paid off over $13,000 in debt, however, this does not include anything from our mountain of student loan debt. In my quest to pay off debt faster, I’ve been looking at programs that I may qualify for that will allow me to have my debt forgiven. After extensive research,  I really found that the only way to get rid…

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I talk a lot about how having a budget is one the main reasons we are able to successfully pay off debt every single month. The budget allows you to tell your money where to go so that at the end of the month you’re not wondering where it went.  We sit down and go through our budget before the start of every month. The budget meeting literally last about 10 minutes. If there are any upcoming expenses for the month we discuss them and work them in by subtracting from other areas that may not really need as much…

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