Who am I
I started 2009 with a $121K debt. I owned absolutely nothing.
I speak.
I kick debt's ass!
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.
$120,665.31.
my original debt
$50,000
the amount that I repaid in 2 years
$25,000
the amount my income increased in 3 years
Priceless
knowing that I help others
WHAT WOULD YOU LIKE TO DO?
Choose your focus
SLAY DEBT
Getting out of debt takes a little education. Find out what you need to know to get yourself out of debt, quickly.
BUILD INCOME
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.
IMPROVE CREDIT
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.
HIRE ME
I love speaking to groups about personal finance topics. Learn more about connecting with me for your group or event.
LATEST ARTICLES
Read the most recent articles from the blog.
Are You Maximizing Your Employee Benefits?
Employee benefits are an important part of your overall compensation package. Benefits help us relax when we need time off, see a doctor if we need medical attention and in some cases let us spend quality time at home with our newborns. As the time to enroll in benefits for the New Year approaches at[…]
Some Store Brands and National Brands Are The Same
Today I’m going to confirm a long running rumor about the products in your grocery store. Many of you have already suspected that the store brands and the national brands held little difference. Some of you actually continue to fall for national marketing practices and believe that because you pay a premium for certain foods[…]
Why You Need to Buy Life Insurance – And How To Do It
Let me ask you a simple question, do you have life insurance? It’s an easy question, the answer is either yes or no. If the answer is yes the next question is, do you have enough insurance to protect your family? If the answer is no the next question on your mind should be, what’s[…]
How To Score Free Money From the Airlines
I got home on Friday from another week long trip for my employer. As I was sitting in the airport, I detailed my journey of getting a voucher for a free airline ticket on another flight on Twitter in real time. @AlisonPaoli who works for Zillow, stated that someone should write something on how to score[…]
How I Paid Off $50k of Debt in 3 Years
Here’s a financial confession: I used to be in debt. I was a financial planner and I was in debt – and I lied to everyone about it. If you’ve ever been in debt you know how stressful it can be and how it can take over every other aspect of your life – including[…]
Finance 101: How To Choose A Financial Advisor
Things like spending less and earning more are extremely important, which is why those of us who write about this stuff spend so much time focusing on the topics. We want you to create an excess every month that you can then invest for the benefit of your future self. Because I have that ability,[…]
Unclaimed Property: Does the State Owe You Money?
While most states have departments committed to returning unclaimed property to its actual owner, on average less than 30 percent is returned, allowing cash-strapped states to use unclaimed money to fund various public interest projects. In fact, did you know that states can legally take money away from you after a period of inactivity?
Why I’m Buying My First Home at 35
Here’s a personal confession, I’m 35 years old and I still rent an apartment. I know what you’re thinking, “Isn’t she a financial planner?” Yes, I am and let me tell you that I would continue to rent forever if I could because in my personal opinion buying a home isn’t for everyone. However, with[…]
Fun, Family and Finances Money Matters Workshops
On Saturday, September 10th I attending the second in a series of financial workshops being held by the Rainbow PUSH Coalition sponsored by Chevrolet. These one-day Money Matters workshops are absolutely free and are designed to educate people of color about various financial literacy topics. The workshop that I attended was held at the Harlem[…]
Popular Landlord and Tenant Rental Scams
A few years ago during the big mortgage meltdown, I became a homeowner for the first time. Although I purchased my first home, it was not one that I planned on living in; I had made the decision to become a real estate investor. Since then I have added one additional investment property bringing my[…]
Should You Coordinate Benefits With Your Spouse?
The short answer to that question is yes. As long as it’s in your best financial interest as a couple you should definitely coordinate benefits with your spouse. Having health, dental and life insurance through your employer is part of a total benefits package that also includes your salary, paid vacation time and retirement savings[…]
Free In Person Financial Workshops
Since last year, I’ve changed the focus of this site from speaking about my experiences with debt to helping others craft their own debt reduction plans by utilizing and sharing years’ worth of the same strategies that helped me. What was once just a personal blog for me has evolved into classes, live Periscope broadcasts,[…]