May 2018 Debt Report

This post may contain affiliate links. See my disclosure for more information.

Wow! I have a ton of great information to share with you all from May, so I apologize that it’s taken me this long to post about it. Summers in Minnesota are absolutely gorgeous, so I’ve been spending nearly all of my spare time outside soaking up the sun and enjoying the great outdoors. I hope you’ve all been well and have been enjoying the warm weather as much as I have. That being said, it’s time to see how closely I followed my budget last month. I want to track the progress I make on my journey to debt freedom, so until my debt is fully paid off, I plan to report each month on how much it is decreasing. Here’s how my debt is looking at the end of May 2018. View Full Post “May 2018 Debt Report”

All She Saves Turns One!

One year ago, I wrote my first post on All She Saves.

So, that means that today, May 29, 2018, is officially All She Saves’ first birthday! Wow. I can’t believe it’s been a full year of bringing this passion project to life.

Let’s go down memory lane. One year ago:

I had $50,000+ in student loan debt. Today, I have $35,000.

I was spending $400 or more a month eating out on *myself*. Today, I spend around $150 a month eating out.

I was paying ~$800/month toward my student loans. As soon as I started All She Saves, I bumped it up to $1,200/month. Today, I pay $1,900/month toward my student loans. I am already 52 percent of the way to one of my financial goals of paying off $17,000 of debt in 2018.

I was completely credit card debt free. Today, I am still free from any credit card debt and no longer live paycheck-to-paycheck.

I had no idea how to invest or what to invest in. Today, I have over $12,000 in investments and feel educated and confident in my investment decisions.

My estimated debt payoff date was sometime in 2021. Today, I am targeting complete freedom from debt by the end of 2019.

To me, these are all amazing figures, but don’t get me wrong…

Paying off debt is not easy.

It’s taken A LOT of hard work. I’ve had to say “no” to my friends many times when asked to get together for drinks or dinner. I’ve tracked each dollar meticulously as they’ve come in and out of my various accounts. My mind is constantly thinking about debt and my dream of financial independence. My brain is set to think of new ways to make money or save money.

However, some days I feel like I am far from being debt free. And, most days after working my full-time job, I can barely find the energy to think about writing a blog post.

But I can tell you one thing…

This journey has been 100% worth it.

Through this journey, I’ve taken control of my financial life. I no longer worry about whether I have enough money in my bank account as I make a purchase – I now know I have more than enough. I have a detailed plan, so I can put more than 50% of my income toward student loan debt, while still living a great life and splurging every now and then.

Through the personal finance community, I’ve made amazing friends that I know I’ll have for life. I’ve been able to share my story with the world and have found a debt-free community at work because of it. I’m going to be featured on not one, not two, but THREE podcasts by the end of this summer.

As I re-read this blog post, I almost feel like I don’t even know who I am! I never, EVER imagined being where I am today on my journey to debt freedom, much less, being featured on podcasts and financial media outlets (um, WHAT?).

I owe it all to this blog, All She Saves.

So, Happy First Birthday, All She Saves. You were very unexpected, but you’ve been everything I could have imagined, and more. Cheers to many more years of blogging my debt payoff and financial life (two more years at a minimum, since I renewed my Bluehost hosting subscription, HA!).

What should I wish for next? 🙂

April 2018 Debt Report

This post may contain affiliate links. See my disclosure for more information.

After 6 months of a pretty horrible Minnesota winter, spring is FINALLY in full swing. We’ve been enjoying 80-degree temps here in Minnesota and I am soaking up every minute. It’s time to see how closely I followed my budget last month. I want to track the progress I make on my journey to debt freedom, so until my debt is fully paid off, I plan to report each month on how much it is decreasing. Here’s how my debt is looking at the end of April 2018. View Full Post “April 2018 Debt Report”

I’m Featured on the Chain of Wealth Podcast!

I have some pretty exciting news… last week, I was featured on the Chain of Wealth Podcast!

About a month ago, I received an email from Katie from Chain of Wealth. She mentioned that one of my fellow personal finance blogger friends, Erik from The Mastermind Within, had recommended that I be a guest on their show. Upon reading that email, my imposter syndrome immediately set in. Me? What story do I have to share? I haven’t even paid off my debt yet. No one will be interested.

Well friends, sometimes you just have to do things that scare the shit out of you. So a couple weeks later, there I was, headset on and sweating furiously waiting to record this episode with Denis and Katie. And let me tell you, I couldn’t have asked for a better people to record my first ever podcast with. Denis and Katie made me feel SO comfortable. I felt like I was chatting with friends. We laughed a lot, talked about my past and current financial situation and laughed even more. I am forever thankful to the both of them for giving me a chance to share my story with the world. View Full Post “I’m Featured on the Chain of Wealth Podcast!”