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Welcome to the Ms. Afro Penny blog! I began blogging about my journey to eliminate $130,000.00 of student loan debt on July 4, 2019, as AfroPenny, on a blog entitled Debt End Date. Two and a half years later, I have paid off $50,000.00+ of student loan debt and saved $5,000.00 in an emergency fund, on $50,000.00 an increasing income. Whether you are a new reader or have been reading since the beginning, I hope you will continue to follow my journey and possibly share yours with me.

P.S. My blog name has nothing to do with an interest in courtesy titles or honorifics, and everything to do with my love for Janet, excuse me, Ms. Jackson. Please feel free to call me Afro Penny or just AP (I feel terrible every time someone writes a comment and actually takes the time to write out Ms. Afro Penny. I guess I should have been a bit pithier with my blog title.

Latest from the Blog

Blogiversary: Year 3

It seems like the American experiment in democracy is crumbling, inflation is wild, and I don’t think I can vote myself out of being systemically stripped of rights but financially, I’m in a decent place. A better place than I have been in a long, long time. In fact, after my August 1st payment, I […]

July 2022 – Student Loan Balance Update

If you tuned in for my super lowkey celebration of making it under $70,000.00 in student loan debt, this post contains nothing new…but let’s take a look anyway…to the numbers… July 1, 2019 – Student Loan Balance(s): -$128,663.26 June 1, 2022 – Student Loan Balance: -$74,672.59July 1, 2022 – Student Loan Balance: -$69,998.37 Total Payments: […]

Perspectives change…

It’s shocking how much money, or specifically, more of it, changes your perspective. And apparently, it needn’t be a great deal of money. In my instance, all that was needed was $26,000.00… Back in January 2020, prior to the worldwide onset of the COVID-19 pandemic, I was invited to serve as an evening coordinator for […]

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