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
Make Money
Get Out of Debt
Learn Something
LATEST ARTICLES
Read the most recent articles from the blog.
Credit Repair Services Can Be Scams
You’ve seen and heard the advertisements just about everywhere: “We can fix your credit – guaranteed!” “We erase bad debt, liens, judgement from your report forever.” Ads for credit repair services appear frequently online, in print and on television. They are designed to lure you into thinking that these credit repair companies have the magic formula for[…]
7 Top Tips for Furnishing an Apartment on a Budget
You are about to move into a new apartment, but you are going to have to start from scratch with the furnishings. What can you do to make furnishing your new home as cost-effective as possible? Of course, you can always start by asking around to see if anyone has got furniture, or other household[…]
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.
Financial Experts Best Advice for The Year Before You Buy a House
Buying a house can be exciting, but if you have never done it before, it can also be incredibly intimidating. Here, a number of financial experts give their best advice for what you should be doing in the year before you buy a house.
3 Reasons To Open A Bank Account Online
Personal banking is changing, and it is important to stay on top of these changes or you may find that you are paying unnecessary charges or that you are not getting all the benefits available. So if you have not already gone online, go and open a bank account online today. You may be wondering[…]
Stay-At-Home Mom? You Can Make Extra Money
Stay-at-home moms have a very important job, but if money gets tight, it can be hard to leave young children to find employment.
These four ways to make money from home can you a stay-at-home mom supplement their income while working on their own schedules.
Top 3 New Year’s Resolutions for Your Money
Stuck making the same resolutions every year? Why not focus on your finances this year. Here are the top three resolutions that you should make for your money!
Make Money with Photography Using These Tips
Ever wondered about turning your photography passion into a profession? If not, today is the right time to make money with photography. You definitely would have loved clicking, editing, creating and snapping pictures to satisfy your inner creativity, but this creativity is surely not paying your bills, rents or buying your groceries. And if you’re[…]
Tips for Paying Off 2018 Holiday Debt
If you’re not paying pay cash during the past Christmas season, your credit card bills from the 2018 holiday season will start hitting you mailbox in January. Are you ready to feel the pinch from buying grandma that must have sweater for Christmas? According to the National Retail Federation, holiday sales is expected to increase[…]
7 Best Side Hustles for the Fall
“Raindrops on roses And whiskers on kittens Bright copper kettles and warm woolen mittens Brown paper packages tied up with strings These are a few of my favorite things.” The holiday season which is one of my favorite things is fast approaching. But before we skate right onto the season of peppermint and onesies, let’s[…]
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,[…]