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.
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
Get Out of Debt
Read the most recent articles from the blog.
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[…]
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.[…]
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,[…]
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[…]
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[…]
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[…]
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.
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.
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 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.
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!
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 to love clicking, editing, creating and snapping pictures to satisfy your inner creativity in order to monetize this particular passion. Photography, over the time, has evolved from being a[…]