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.
I Believe In Results
I absolutely love happy clients.
Read the most recent articles from the blog.
With signs that the down economy is here to stay (a least for now!), travelers are finding more inventive ways to game the system and plan trips on a dime. One of the latest trends is widely being referred to as the BYOF boom – bringing your own food and drink and forgoing overpriced room[…]
As you know I am in full first time homebuyer mode. I spend my weekends searching websites to find homes with all the amenities we want, at a price we can afford and sending questions to our real estate agent. Notice that I said, I spend; not my realtor spends. I know that I’ve never[…]
In case you didn’t hear, mortgage rates are on the uptick as of the end of last year. The popular 30-year fixed-rate mortgage rose to 4.32 percent in following the Christmas holiday. It has been as low as 4.01% the same time one year ago. However, mortgage rates remain at pretty low levels, making it[…]
What questions did you ask your mortgage broker? As you may remember I’m in the process of buying my first home. At 36 years old I think it’s finally time to make the commitment to buy a place to call my own. You know what they say, better late than never. To be honest, the[…]
Having to decrease your debt is an unenviable task, and with the economy looking the way it is for 2017, it is unlikely that the government or the Bank of England are going to be able to give us any good news to help. You can use companies like CMC markets to manage some of[…]
It’s the time of year that’s full of joy, happiness and gift-giving. That all sounds expensive. Let me ask you a question, how’s your holiday budget? It seems everywhere we turn during the month of December we’re being invited to a party, a dinner or a holiday get-together. With blended families, in-laws, friends and co-workers[…]
Everyone who is anyone these days, and even a few nobodies has some form of a social networking account. What qualifies? Everything from Facebook to LinkedIn, to Twitter, Instagram, SnapChat and even Classmates.com. These days, everything seems to be about how many friends you have and who they might know, but have you ever thought[…]
Credit cards. We love them when we need them, but hate them when our monthly bill comes. Have you ever tried to pay off your credit card? If so was it a success or epic fail? I’m a prime example of how overspending and under managing your money can lead to hundreds of thousands of[…]
I want to introduce you to our friend, Holly Johnson. Holly’s side hustle, writing, has turned into her full-time freelance work and she makes a lucrative income doing so. Every month on Club Thirty, the blog that Holly shares with her husband Greg, Holly shares just how much money she made the prior month, and she[…]
Are you looking for a way to make extra money? I think it’s safe to say that we can all use a little extra cash in our wallets. That’s why some of us freelance outside of our day jobs, why others start a side hustle and some others work two or three jobs. Having extra[…]
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[…]
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[…]