The cost of earning more…

I still love my part time job. It’s mindless and I’m pretty good at it. And my bosses treat me like a rock star because I show up and do my job. It’s a low bar for sure and I’m nailing it. Unfortunately, the place/worksite of my part-time job is undergoing significant renovations so the […]

October 2020 Budget Forecast

So…I have been hemming and hawing about it for some time, but despite tepid concerns of over-posting, over sharing, and mild embarrassment, I am going to post my budget again. You’ll remember I posted my budget once back in March and then promptly never did it again. However, a thought I had after my most […]

October 2020 – Student Loan Balance(s) Update

Okay, this is the post I have been dreading. The one where I have to reflect on making negligible student loan debt repayment progress because I am focused on beefing up my emergency fund to cover three months worth of expenses ($5,000.00). Ugh. To the numbers… Account Debt Min. Payment Interest Rate Private Student Loan […]

Income Update/Am I saving enough?

I know, I know. The same woman who was so impatient to get back to debt repayment that she made a post about it, is now asking, “Am I saving enough?” I will address what led me to ask this question momentarily. First, an income update… Part Time Job As I shared in an earlier […]

Penny Pincher Meals – Zucchini Pasta

Zucchini is not the cheapest vegetable but this dish includes so few ingredients that it doesn’t really matter. I began making this after I found a spiralizer at Kroger for only $4.50. It’s so easy (total prep and cooking time is less than ten minutes) and cheap, that it’s now a staple meal for me. […]

Penny Pincher Meals – Egg Fried Rice

When you have a huge debt and a rather modest income, in addition to earning more, you still have to find ways to make cuts to the budget. One of the ways I do that is by having a rather lean food budget. Dave Ramsey calls it, “Eating beans and rice.” The Penny Pincher Meals […]

Which student loan(s) should I pay off next? (Vote!)

I know, I know. I’m supposed to be focused on saving. Listen, I told you who I am at the very top of this blog: “Climbing out of $130,000.00 of student loan debt, one obsessive post at a time.” It’s not my fault if you didn’t listen…er read. (Note: It took me many years to […]

September 2020 – Student Loan Balance(s) Update

The U.S. is still a mess, blah, blah, blah. I’ve made some changes in my life recently in terms of eating, exercising, and creating space, and it has paid immediate dividends in terms of my physical and mental wellness (mood). I am perhaps as well as I could be under the general circumstances. For that, […]

August 2020 – Student Loan Balance(s) Update

The U.S. is still kind of a mess, but I am feeling a bit more like myself this month in terms of my finances. I think making the decision to stay in my current apartment reaffirmed my commitment to getting rid of my student loans as soon as possible, and getting a part time job […]


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