yolo

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In: Debt Repayment

***This is a Guest Post. <3 from the Dames*** The YOLO (You Only Live Once) mindset greatly affects almost every millennial’s spending habits. One look at all social media platforms and you will see how much premium this generation has put into living YOLO that sadly, many are willing to go into debt just to pay for those “once in a lifetime” experiences. This is why YOLO is being tagged as one of the top reasons why thousands of millennials are now caught under the crushing weight of debt. YOLO may have earned a bad reputation as the perennial excuse for impulsive behavior towards money,Read More →

finlit

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In: Personal Finance 101

***Disclosure: Dames in Debt received a free copy of this book. This post contains affiliate links. <3 from the Dames*** Hi friends, it’s time for another installment of #finlit! You know, that thing I do where I meet my annual GoodReads reading goal via consuming every personal finance book know to man (& several Nancy Drew Mystery Stories). Anyways, today’s book happens to be You Need a Budget by Jesse Mecham. Before we get started, I want to just reiterate one more time that each of us Dames got a free copy of this book to review it. That’s it. No strings attached to the review,Read More →

payoff series

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In: Debt Repayment

Welcome to Part Six of a 6-part series (aka, the last post) I’m doing on personal loans, credit card debt, and refinancing – the Payoff Series. If you’re new here, go back and check out Part One, Part Two, Part Three, Part Four, and Part Five! Well, I did it. I paid down $12,607.16 between May 16, 2016 and November 30, 2017. And you know what? It feels great. I didn’t quite get it paid off by my birthday (which is in July), but I still got it done 6 months earlier than planned. And while most financial advisors wouldn’t recommend personal loans for credit card debt, using Payoff’sRead More →

staying on track

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In: Budget Beauty & Living

***This is a Guest Post. <3 from the Dames*** Now that school is back in session, it’s time to put together a plan to make those college years the most successful they can be. Today’s guest post is just for our new and returning undergraduates as they work their way through a minefield of debt, expectations, studying, and maybe partying. Starting and staying on track is the key to success. Enjoy! There are several major changes in our lives and becoming a college student is definitely one of the biggest. We leave our parents’ houses, start managing our own time and money, all while adjusting to aRead More →

financial check-up

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In: Personal Finance 101

***This is a Guest Post. <3 from the Dames*** People often start the new year begins with a ton of financial resolutions…but old habits are tough to break, especially when it comes to finances. So, it’s a wise idea to review your finances periodically and check-up on whether you are on track to meet those goals or not. While the middle of the year might be over (so long summer weather!), this is actually the ideal time to check if you’re on the right financial track. Think of it as the adult version of going back to school. If you’re in trouble, there’s still timeRead More →

financial emergency

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In: Personal Finance 101

***This is a Guest Post written by Rebecca Williams. <3 from the Dames*** We’ve written about financial emergencies before (you know, in the lose-your-job way), so it’s always good to get a refresher on how to prepare so you aren’t stuck using your credit card (guilty) or having to borrow from friends. Everyday transactions require careful financial planning. Nowadays, people generally have prepared budgets for everyday expenses, credit payments, insurances and even personal investments. In a world where money and cash equivalents move society, budgeting has become a standard. For the general public, financial stability means securing one’s retirement, owning a house, and being able toRead More →

financial emergency

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In: Debt Repayment

Welcome to Part Five of a 6-part series I’m doing on personal loans, credit card debt, and refinancing – the Payoff Series. If you’re new here, go back and check out Part One, Part Two, Part Three, and Part Four! If you follow our Twitter, then you know I recently spent several hours getting some unexpected, but necessary, car repairs (boo) AND then I moved in with my boyfriend this month (yay). While it’s obviously important to maintain my car and moving in together will eventually be cheaper for me, these were two big purchases that I hadn’t planned for at the moment. This is why youRead More →

#finlit

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In: Personal Finance 101

***This post contains affiliate links. <3 from the Dames*** As you guys know, I’ve been reading money books (#finlit) throughout my personal finance journey. I’ve found that reading personal finance books keeps my motivation up, plus there’s always more to learn. Recently, I finished Suze Orman’s The Money Book for the Young Fabulous and Broke – her book devoted to helping millenials/me. I haven’t read any of Ms. Orman’s other books, but this was definitely a good personal finance primer. It covers everything from how to get a job that will pay your bills to buying your first house. It also has whole sections devotedRead More →

payoff series

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In: Debt Repayment

Welcome to Part Four of a 6-part series I’m doing on personal loans, credit card debt, and refinancing – the Payoff Series. If you’re new here, go back and check out Part One, Part Two, and Part Three! 23% of Americans — and 36% of Millennials — experience a debilitating degree of stress surrounding their finances. According to Payoff, this financial stress affects people’s thoughts, feelings, and behaviors – and don’t I know it. Stress over how to pay my credit card bill is actually what drew me to Payoff in the first place. Refinancing my loan helped me a ton, but there are additional ways toRead More →