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The 50-30-20 Budget Rule, debunked!

As soon as I saw this 50-30-20 budget rule system, I thought to myself, “oh this doesn’t work”. Certainly not for someone with piles of debt to pay off. It’s assuming everyone makes a lot of money, and it doesn’t allow for customization to everyone’s unique set of circumstances, salaries, or expenses. And it’s basically trying to fit you into a neat little box. That’s not how things work. But, I figured I’d do some math and see how it stacks up against my current living situation. What did I find? My opinion on this budget rule system hasn’t changed. Read more…

13 Ways to Get a Raise and Excel at Your Job!

While there’s no guarantee you’ll get a raise at work (employers are not required to provide them), there are some ways you can significantly improve your chances of earning a raise at your job. Yes, I said “earn” a raise. These are some things I do that have earned me raises, promotions, opportunities, and have generally helped me excel and become a top performer at every job I’ve had. 1. Always go above and beyond what’s expected of you. At just about every job I’ve had, there are those who do the bare minimum of what’s expected of them, or Read more…

Fire your employer! Find a job that works for you.

Do you want to find a job, but the idea of looking for one fills you with such horror you’d rather put a campfire out with your face. (Comment below if you caught that TV show reference!).  What if I told you you’ve been looking at job hunting wrong your whole life? This post is for you if any of the following apply: You want change, but you feel “stuck”, “trapped”, or “chained to your desk”. The idea of job hunting make you want to gouge your eyeballs out. Your job is sucking away pieces of your soul every day. Read more…

fireworks for new years 2020

20 LIFE TIPS from my 20’s for success in 2020

Happy New Year! 2020 is just around the corner! I honestly can’t believe it. Where did the time go? My 20’s just flew by, and somehow, now I’m on the down slope to 40! What??? But, with the new year upon us, I thought this would be a great time to share my Top 20 LIFE TIPS I learned from my early 20’s to help you find success in 2020.  The first group of Life Tips are focused on money and spending. #1: Leave the credit card at home. You can’t use it if you don’t have it with you. Read more…

Always Broke by Payday? #1 Reason Why - Part 2

Always Broke by Payday? #1 reason why! [2/2]

If you’re back after reading “Always Broke by Payday? #1 reason why! PART 1”, leave a comment below letting me know what snack you’re eating! If you haven’t read PART 1, you should go do that first or it will be like walking into the second half of a movie. In Part 2 I’ll wrap up my story as I talk about the pros and cons of comparing your life to others, how my life evolved after changing my mindset, and why I choose to live alone. So let’s dive back in… . Don’t compare your life to others, weather Read more…

Always Broke by Payday? #1 Reason Why - Part 1

Always Broke by Payday? #1 Reason Why! [1/2]

If you’re always broke by payday, and asking these questions… Why am I always broke before payday?  Where does all my money go? How can I stop being broke all the time? Why am I always living paycheck to paycheck? …you’re definitely not alone. I used to have these same thoughts, but it’s been a while. It didn’t matter where I worked, or how much money I made, or what I was doing (or not doing) in my spare time, I was always broke before payday. My paycheck could never come fast enough! I’m going to talk about this in Read more…

aerial view of coffee mug on wood plank

Getting out of DEBT… Starts with COFFEE!

I’m going to show you how getting out of debt starts with coffee! We live in a society of instant gratification. Want a pizza? Tap your phone a few times and 40 mins later it’s at your door. Want that book? Hop onto Amazon and by the time you get home from work, it’s sitting on your doorstep. Need a lift? Summon a random car to pick you up in a matter of minutes. Wanna get laid tonight? Well, there’s an app for that too. This is great for convenience, however, this can have a negative effect on society. It Read more…

OSAP advice you CAN’T AFFORD to ignore.

I’m going to give you some OSAP advice you can’t afford to ignore, because if you’re anything like I was, you may find yourself in the following situation… You sit down with a financial aid rep or school counselor, or you’ve received your OSAP loan statement, or perhaps you’re just reading through a thick 5000 page document about your loan and repayment, and you’re thinking: What does this mean? I feel stupid. You hear things about interest rate, and floating rates, and principal this, grace period that, compounded what?? Don’t worry, it’s not just you! No one taught us this Read more…

To pay student loan debt, change your mindset!

If this post is your first read on my blog, great! I’m so happy you’re here. It means you’re ready to start, or at least you’re thinking about, taking back control of your life. This is my first post, and in it I want to show you how paying your student loan debt starts with your mindset. If you don’t have the right mindset, paying your debt will be far more challenging. From here, you can get an idea of what to expect on my site. I’ll be focusing on showing you ways to set fire to many of the Read more…