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.
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[…]
As costs continue to rise and inflation affects the global economy, even the necessities are costing people a lot of money. This includes car insurance. The good news is that as a consumer, you have the right and the ability to shop around to compare car insurance quotes. But take heed, just because you might be[…]
Do you want to downsize your home? You may be at the point in life when you want to move to a more intimate space, but the question is how to do it. The more space you have to fill; the more items you’ll have packed into your home. If you have children, their belongings[…]
My little sister is 17, and my gosh, I don’t know when that happened. In another few months she’ll be trekking off, probably not too far based on how tied she is to my mom’s purse strings, to college all on her own. Since her parents aren’t made of money, she knows that she’ll be making[…]
I think the answer is yes. We may not all have a ton of credit card debt – which you may remember I did – but in some form or another we all have debt, don’t we? It seems like everywhere we turn someone is preaching about living debt free and every time I hear[…]
Woman looking at piggy bank[/caption]I know it may be hard to believe, but it’s true. I personally think that people who don’t save money are dumb and probably making excuses and you know what? I used to be one of them. HELLO Yes, I am Cheap readers, my name is Tahnya Kristina, CFP and Sandy[…]
Since everyone is busy with last minute gift buying, I thought that now would be a great time to share my philosophy on Christmas gift giving.
I have a confession that will seem very Grinch-like: I don’t buy Christmas gifts and I don’t want anyone else to buy gifts for me either.