Let’s face it; saving money is easier said than done. A survey conducted by GOBankingRates in 2019 revealed that 58% of Americans have less than $1,000 in savings in their bank account. To make things worse, over half of those people don’t just have less than $1,000 have $0. Not having emergency funds puts you in a very vulnerable position. If someone hits your cars or if a hurricane destroys your house, you will be at the mercy of other people because you have money to emergency funds to save yourself. Apart from poor spending habits, increased cost of living […]
Many in the world have lost their jobs due to COVID-19. According to the NY Times, over 36 million Americans have lost their jobs and have filed for unemployment. As the world slowly opens back up, we do not have an exact date of when things will open fully or if living this way is the new normal. During this time, it can be hard finding a job to help meet your family needs, and I want to share with you how to make money during COVID-19. The opportunities that I’m going to list below are jobs you can do […]
Starting your journey to pay off debt can be frustrating and unmotivating when you are trying to discipline yourself and change your spending habits. Discipline can be hard at times when you see things you want to buy or friends trying to invite you on vacation can make the finish line seem miles away. When I started my journey, I did not follow through with my plan to pay off my debt. I let other things get in my way of securing a better future for myself and my family. If I would have continued my journey at the beginning of […]
As a part of life, unexpected things happen, and they arrive at a time that we least expect it or, in some cases, at a time when you don’t need life throwing anything else at you. Some of these unexpected situations could be something that you need to take care of immediately or an emergency such as medical, car repair, or loss of a job. It is hard to prepare yourself for emergencies and the unexpected since we don’t know exactly when they will happen. The good news is that saving for an emergency fund can help prepare and relieve […]
Creating a budget for yourself is the most important step of your debt-free journey. A budget is how you maintain your spending and tell your money where to go; I mean every penny. When I was deciding on which step to place Create A Budget, I couldn’t decide on whether to make it step two, three, or four. After consulting with my husband, I decided to make it step 4 because I wanted you to figure out how much debt you had and what method of tackling your debt first so you will know how to implement it in your […]
I decided to start my debt-free journey at the beginning of this year and procrastinated on getting started. I knew everything I needed to get started as far as creating a budget, deciding on a method to tackle my debt, and saving for emergencies, but I did not put my plans in action. I know you all heard the saying that “a plan without action is nothing,” and that’s exactly what I did with my plan “NOTHING.” I follow other money and debt management blogs on social media, and I see all of them that have achieved their debt-free goals, […]
When I first started my journey to tackle my debt, all I knew was to just pay for my monthly payments each month until the balance is paid off, but there is more to tackling your debt than just paying it off. Paying your minimum balances every month does help towards paying the debt off, but this is a more long-term approach, in this post I want to share with you the best method of paying off your debt in a more rapid way. We will discuss: Things You Need To Do To Get Started Methods To Paying Off Debt Debt […]
Blogging is an excellent way to build credibility and make passive income online. You can use a blog to share your opinion and write informative reviews for your readers. Reviews and advice on products or services are what customers look for before they make a purchase. It is part of the customer purchase lifecycle. For example, if I were to purchase a cell phone, I will look at the reviews of other customers who have the same cell phone and get the pros and cons before I decide on purchasing the cell phone. This is what makes blogging important because […]
When you start your debt-free journey, one of the first things you want to do is have a list of all the debts you owe. Listing all your debts will help you know how much debt you owe and ensure you are not overlooking any debts such as collections or charge offs of debts you may have forgotten in the past. In this post, I will go over how to find all your debts. We will discuss: What is a Debt? How To Find All Your Debts? Target Debt Balance What is a Debt? A debt is money you borrow and […]
When starting your debt-free journey, the first step you want to take is to find out where your money is going. This step is very crucial because it helps you understand your spending habit and determine if you need to cut unnecessary spending or bills that are not a necessity. There are a couple of ways to track your spending, and in this post, I’m going to go over the best monthly spending trackers. We will discuss: What is a Monthly Spending Tracker? Old Fashion Monthly Spending Tracker Use Money Management Websites and Apps To Track Your Spending What is […]
Start A Mom Blog
Hi, I’m Tia. I am happily married with six children and serving active duty in the Army. I’m currently working on becoming debt-free, and I decided to share my journey by creating a blog.
I hope to inspire others by following me on my journey, as this will hold me accountable as well. Here’s to becoming debt-free.