2019

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Welcome to 2019, a fresh new year that’s just waiting for us to crush our goals and achieve our dreams. Also, I’m getting married this year, so that’s pretty exciting. Before we start chatting about everything #newyear, let’s recap my 2018 goals shall we: Pay off my final credit card – no more consumer debt for me! (Goal is to have it paid off by my birthday.) DONE!!!!! Build up a semi-full emergency fund of $5000 (Goal completion date is December) Not even kind of done 🙁 Learn German to nearly triple my salary at work No – but big things happening here 😀 Okay, soRead More →

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 →

goals

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Welcome to 2018 – the year everyone’s hoping won’t be so much of a dumpster fire like last year. Politics aside, now that I’ve paid off the big credit card, I get to have a little more fun with my goals this year. To recap, my 2017 financial goals were: Pay off the credit card! DONE DONE DONE Build an emergency fund again NOT EVEN KIND OF Go 12-for-12 on sticking to my budget I GOT 50% ON THIS ONE So funny story, it’s hard to rebuild an emergency fund when you keep having emergencies. Losing my job. rather unexpectedly, moving, and my driver’s side window suddenly notRead 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 →

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In: Budget Beauty & Living

Because I’m a hostess at heart, and the boy and I now live together, I thought it only appropriate that we host a Friendsgiving this year. For the newbies out there, there’s no difference between Friendsgiving and Thanksgiving – except that Friendsgiving is for the family you pick (aww). The added bonus is that it lets you get your hosting desires out of the way if, like me, you’re from a family where the matriarchs refuse to pass the torch. Regardless of those hosting desires, you can’t let your need to be sociable get in the way of your financial goals. But, with a littleRead 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 →

treat yo self

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In: Budget Beauty & Living

Hi friends, Ever feel like you’re just slowly walking towards your goals? It can be tough watching all of your money pay down debt day after day – especially if you have all your payments automated like us…and it’s going to take you 1.5 years to reach your goal. In order to keep ourselves motivated we’ve been investing in frugal rewards to keep us excited as we reach each milestone. It’s the same idea nutritionists often suggest for maintaining a healthy diet: everything in moderation. Anyways, here are some cheap(er) ideas to keep the gazelle-like intensity: Get that Starbucks grande iced coconut milk mocha macchiatoRead 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 →

happiness

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Hi friends, Just wanted to let y’all know that Dames in Debt was recently featured on The Pursuit of Happiness! We were part of their 2017 Happiness Day Interview Series! You can read our post here, just look for the Q&A headline. <3 from the Dames For more information on the 2017 Happiness Day Interview Series: My name is Wes, creator of thePursuitofHappiness.me.  I won’t bore you with the full details of the inspiration for the site.  To share a little bit though; growing up in America, I had always been taught about this nation’s founding documents and I heard all the time about the Declaration of Independence andRead More →