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Downgrading Does Not Mean Failure: Ways to Save Money

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          Sometimes it can seem impossible to save money. I mean with rent/mortgage, utilities, other bills, and let’s not forget paying off debt, how are we even supposed to have extra money to save? Well, it’s not as impossible as you may think. There are the obvious options: get a second job, try to get a higher paying job, or find ways to make money on the side. But these options may not always be viable. Getting a second job may not be possible for people with children without considering additional child care services; which is just another added expense. Getting a higher paying job may take some time as you gain the experience you may need to move up; you may even have to go back to school for a degree or certification. Finding ways to make money on the side may be a little easier depending on your skill set, but it still requires time and effort. So what are some other ways to save money? In one of my previous posts 5 Easy Ways to Lower Your Monthly Expenses from Your Couch
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I Just Paid Off My Student Loans: Here's What I Learned

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           I did it y’all!!!😁 After eight years and three months, I am officially done with ALL of my student loans. There was a time that I honestly did not think this would happen or at least not until I was in my 40’s. The Department of Education reports that the typical repayment period for borrowers with between $20,000 and $40,000 in federal student loans is 20 years. Yea, that’s pretty crappy. But with the exorbitant costs of higher education in the United States and the belief that the only way to succeed or get ahead in life is with a college degree a lot of young people and their families are stuck between a rock and a hard place. Often turning to loans to help cover the expense. Today, roughly 70% of American students end up taking out loans to go to college with the average graduate leaving school with around $30,000 in debt. 
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Tackling Debt: To Snowball or to Avalanche that is the Question?

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          Tackling debt can be daunting. But when you have multiple debts you need to pay off, the task can seem intimidating and become overwhelming for many. I remember, being in my mid-twenties saddled with an undergraduate student loan, a personal loan, a car loan, credit card debt, and a graduate student loan looming around the corner. I knew I had to figure out a way to address this debt and fast. So, I did what I always do when I want to learn something - I Googled it 😆. I started reading articles about different methods to use to pay off debt. This is how I initially learned about the Snowball and Avalanche methods. In my opinion, both methods are ultimately beneficial because they use strategy (whether based on emotion or logic) to help you pay off your debt.
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