About Sandy
I started 2009 with a $130K debt
Hi, I'm Sandy.
Way back when the dinosaurs roamed at the end of 2008, I started paying a little bit more attention to my debt. As the year faded into 2009, the idea to build a website to keep myself accountable to eliminating my debt burst into my mind. I hopped onto Blogger.com and created a blog that I named My Cheapass Blog. I really didn't begin my blog for anyone else to see; it was just a way for me to have the total amount that I owed at my fingertips. Here we are years later and have learned enough to help others with their own debt.
I started this blog with well over $105,665.31 in debt after a failed business and some massive student loans...at least, that's what I said that I owed. In actuality I owed a friend another $5,000 and I would receive a notice in the mail that I owed $10,000 in back taxes and penalties. This blog has been a chronicle of my journey of getting out of it without filing bankruptcy.
My $120,665.31 debt represented everything that I had done wrong. Now, I am here to help YOU get your finances together.
$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
LATEST ARTICLES
Read the most recent articles from the blog.
7 Credit Card Benefits That You Probably Overlook
Your credit cards are not just a convenient way to pay for things. Believe it or not, your credit cards might just come with major benefits that might make using them for purchases more beneficial than using good old fashioned cash. Beyond being a convenient way to pay for really expensive things without carrying a[…]
Saving Money On Your Car Insurance
Although car insurance can be highly valuable for your peace of mind and could give you some much-needed financial relief, for example, if you suffer a personal injury in a car accident, it can also be very expensive. Relatively speaking, automobile insurance is just as if not more expensive than homeowner’s insurance. That is why,[…]
These Apps Will Pay You To Lose Weight
Summer’s here and there are smiling photos of young people frolicking on the beach just about everywhere. I’m happy for them but some of us just don’t have perfect beach bodies and probably don’t even have okayish pool bodies either. Like my cousin recently said to me, “The beach is gonna get whatever body I[…]
The 4 Best Tips for Saving Money with a Big Family
Taking care of a big family on a budget can be super stressful. While having a big family can be a great thing, it comes with expensive financial responsibilities not found in smaller families. A big family, especially one that includes both young and elderly family members, can have all sorts of expenses. This makes[…]
7 Ways to Invest Your Money & Upgrade Your Business at the Same Time
When you are first starting your business, investment should be one of your first priorities. You need to reinvest in your own business, but the key is to have a strategy, not just a vague percentage and a loose idea. The reason is this, you want to invest in ways that will help you upgrade[…]
Age 50+? Save With Senior Citizen Discounts
My step-father is now the ripe old age of 64 and was pushed into early retirement through a job loss about five years ago. Thankfully he was a union worker who put in more than enough time to collect a small pension, but with my younger sister still in her teens, that money can only[…]
Don’t Let Your Life Insurance Lapse… Do This Money Making Move Instead
This is a guest post from my friend Eric Rosenberg, a personal finance blogger and podcaster at Personal Profitability in partnership with Mason Finance. He writes about personal finance, credit cards, entrepreneurship, and technology. You may be cheap, but that doesn’t mean you are stingy. Knowing where and how to spend and invest is important[…]
Why I’m Investing In Stock Like A Woman
I’ve been investing in the stock market since I landed my first real job that provided a 401(k) program. If I’m honest being, I didn’t even know what a 401(k)was, but once a coworker told me that I could save money that the government didn’t tax right away and I also reduced my current payroll[…]
10 Ways To Save Money On Gasoline
Way back before I got my license, gas was something like $2 per gallon. With gas regularly reaching and surpassing $3 per gallon in New York, I long for those $2 days. Since I recently moved out of Queens and into the wild of Long Island, there’s absolutely no way that I can avoid driving and[…]
How to Start Your Money Making Blog on Blue Host
This month, the Hustle Crew and I are learning how to build and then monetize a blog from the ground up. If you know absolutely nothing about blogging, you will want to follow along this month as we build our money making blogs. Even if you’re not interested in making money from your blog, this[…]
You Can Make Money, $21,000 A Year From Poop…Seriously.
Before you get all kindergartener on me, hear me out; you really can make money from poop – serious extra money – every single year, but, only in a very specific circumstance. I first read about a process called fecal transplants a few years ago in the New York Times. This is where poop from[…]
Understanding Your Flexible Savings Account
From working within Human Resources, I realize that many people don’t understand how the whole flexible spending account thing works and how it can benefit you. You won’t be a part of that group after this post. For those who want to understand how it works, read on.