Who am I
I started 2009 with a $121K debt. I owned absolutely nothing.
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.
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.
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[…]
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[…]
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[…]
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[…]
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,[…]
If you have debt hanging over your head, what’s stopping you from paying it off? It’s time to become debt free. As a financial planner I can tell you the most common answers are: I don’t want to withdraw from my savings, I don’t have enough savings to pay off the debt and I don’t[…]
If you’ve made the mistake of thinking that a 401(k) loan and a hardship withdrawal are exactly the same, boy, are you in for a surprise. Lots of differences with major consequences exist.
Too much debt can lower your credit score and take all your disposable income. However, acquiring certain things in life may require a measure of debt. Not to suggest that you should go crazy and apply for every credit card and loan under the sun. For debt not to become a destruction force, moderation and[…]
Saving for retirement is a nice thought, although not always put into practice. Have a look at your investment account savings, is the balance where you want it to be? A better question may be, are you on track to retire at your target age? For some people the answer may be yes and for[…]
While I was working my way out of debt, I tried just about every method that I heard of to help me pay my debt down faster. Hands down, when I discovered the debt snowball method and the debt snowflake method, they made sense, but I just kept confusing them. The what? Snowball. Snowflake? Snowcone? All the same to me.
I had a conversation with my brother the other day that inspired this post. We were talking about my mother’s crazy assertions that I somehow have a bunch of money secretly stashed somewhere since I was able to purchase the investment property with 100% cash. […]
Trust me when I say that I’ve made my share of stupid financial mistakes in my 35 years on this earth. Also believe me when I say my life would have been a lot easier if I didn’t make any mistakes with money in my teens, then again in my 20s. But you know what? […]