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.
Sports Stars Who Still Live Frugally
Many people fall into the trap of spending whatever money comes in. This is why most people don’t feel any better off after they have received a pay rise, as the additional money that they get paid is swallowed by an equal increase in personal expenditure. This is true for people who earn 5 figure[…]
5 Ways to Practice Yoga on a Budget
Yoga is all about finding your Zen through meditation, movement and mind-body connection, but it can be a little hard to achieve inner peace when your yoga membership comes with a budget-breaking price tag. Once you factor in those cute but costly yoga leggings you spotted in the studio’s boutique and the pricey mat you[…]
Research Shows Installment Loans Are Just As Risky As Title Loans
Payday loans and title loans are routinely criticized for having steep interest rates. They are often tagged as the worst consumer loans due to their stringent repayment terms. Payday loans and title loans usually have to be repaid within a month. In many states, title loan lenders have the ability to offer longer repayment periods[…]
What Do You Need to Operate a Home-Based Business?
So, you’ve decided to jump in with both feet, take control of your destiny, and run your own business. Even better, you’ve decided to get out of the commuter grind and run that business from your home. Congratulations! This can be a very rewarding lifestyle, assuming you have everything you need in place to make[…]
3 Simple Ways to Save for A Vacation
Traveling allows us to experience new cultures, taste delicious food and create long lasting memories. However, all these experiences come at a price and for many, the cost can be too high when compared to every day expenses. How do you fit vacations into your budget when you have bills to pay, a family to[…]
Skills and Hobbies You Can Learn Online
A few years ago, I wrote about how you can learn everything you need to know about website design online without paying a cent. And as you are aware, we have plenty of content focusing on how you can make money online. However, today, we’re not talking about making money or picking up career-building skills.[…]
Lifestyle Changes To Pay Down Debt Faster
Let’s just face the facts. We live in an instant gratification society. Further, people judge one another based upon the car they drive, the neighborhood in which they live and the schools they attended. All of these things necessitate spending money — and a lot of people willingly go into debt to acquire them. However,[…]
How to Claim $125+ from the Equifax Data Breach Settlement
If you were among the more than 145.5 million people whose information was compromised as a result of the Equifax data breach which took place in 2017, the FTC annouced on July 21 that it has reached a settlement deal with Equifax, the Consumer Financial Protection Board and all 50 states that is meant to[…]
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.