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 $40,000.00+ of student loan debt and saved $5,000.00 in an emergency fund, on $50,000.00 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

January 2022 – Life Update

First, I want to thank you all for the comments and votes on my 2022 Financial Goals post. The comments and feedback were beyond helpful in helping me to clarify why I was feeling the way I was and what I should do. But because life just isn’t that simple… 1) “The (Organization C) offers […]

January 2022 – Student Loan Balance Update

If you read my 2021 Financial Review, then there isn’t much to see here. Well, that’s not exactly true… To the numbers! July 1, 2019 – Student Loan Balance(s): -$128,663.26 December 1, 2021 – Student Loan Balance(s): –$91,622.63 January 1, 2022 – Student Loan Balance: -$88,878.54 Total Payments: $3,196.74 Net Difference: $2,744.09 So the first […]

2022 Financial Goals

Happy New Year! If you read my 2021 Financial Review, then you know 2021 was a pretty good year for me financially. Given this upswing, you might think I’d be headed into 2022 fairly optimistic and confident about my financial future. And you would be correct…kinda. More like half correct. While I am perhaps more […]

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