Who am I
I started 2009 with a $121K debt. I owned absolutely nothing.
I know exactly how you feel
You can do this!
Hi, I'm Sandy, people call me a personal finance expert.
Way back when the dinosaurs roamed at the end of 2008, I started paying a little bit of attention to my debt. You see, my $120,665.31 debt represented everything that I had done wrong, financially.
As the year faded into 2009, I had the brilliant idea of starting a blog to have my debt at my fingertips.
Here we are years later and I have helped countless others improve their finances. Now, I am here to help YOU get your financial life together.
Learn even more about me.
my original debt
the amount that I repaid in 2 years
the amount my income increased in 3 years
knowing that I help others
WHAT WOULD YOU LIKE TO DO?
Choose your focus
Getting out of debt takes a little education. Find out what you need to know to get yourself out of debt, quickly.
Sometimes you just need to make more money, but, who has time for a second job? I’ll show you how you can make extra income outside of a job.
There is no single method for improving your credit and credit score. I’ll show you everything that you can legally do to increase your score.
I love speaking to groups about personal finance topics. Learn more about connecting with me for your group or event.
Read the most recent articles from the blog.
This is a stock photo of my car, the 2013 Ford Edge. It wasn’t my first choice, but we’ll get into that in a bit. The good thing here is that I was able to replace my car and get back on the road relatively quickly after my last car accident because the car insurance company[…]
A 9 to 5 job is great, a lot of people are lucky to have them. However the truth is sometimes having a full time job just isn’t enough to support the lifestyle you want to live. Sometimes you need a side hustle. I started freelancing and made $4,000 my first year which was a[…]
The American public is interested in eating better quality foods. The proliferation of “organic” foods and the success of specialty supermarkets dedicated to foods considered “healthy” have made success stories of Whole Foods and Trader Joe’s. The problem is that everyone is looking to cash in on food labels and terms that make food appear[…]
You’ve already heard everything that there is to know about improving your credit scores. Conventional wisdom says to pay all of your bills on time; don’t have too many cards ; have a good mix of credit types; and never, ever close any credit cards. That last isn’t always true though. I say that closing[…]
No matter what occupation you choose, the ultimate goal is to find a job that you love that also provides you with a means of supporting your lifestyle and impending retirement in the future. However, it can sometimes be difficult to pinpoint exactly how much money you need to put away and what you should[…]
Starting a new job or getting a promotion is very exciting. It means you’re moving up the career ladder and hopefully getting one step closer to landing your dream job. So often people only negotiate their salary when starting a new job, but your total employee benefits package includes so much more than just money.[…]
A few months ago, I bundled up my investment properties and sold them to another real estate investor. When I originally purchased the homes, I had planned on keeping the houses for the next few decades. Alas, taxes rose at a rate that rents could not absorb, so I decided to cut my losses and[…]
Sandy and I talk a lot about being small business owners and making money on our own terms. Having your own business is great, but trust me when I say it’s not all glitz and glamour – not at the beginning anyways. It takes time to establish your reputation as the go-to-person, build trust so[…]
It’s time to get real and talk about our cash. Raise your hand if your investments dropped and you’ve lost money in your portfolio over the last few years. My hand is up, yes it happens to the best of us. It’s nothing to be ashamed of, if anything I’m proud of the way I[…]
It’s tax time people. That means all around the country people are lining up to send the nitty-gritty details of their personal and financial lives to the government in hopes of getting a tax refund. If you’re an entrepreneur tax time probably means your collecting piles and piles of papers, receipts and invoices to bring[…]