How to Set Achievable Financial Goals – Plus a Free, Printable Guide

How to Set Achievable Financial Goals - Plus a Free, Printable Guide

At the start of a new year, we often find ourselves setting goals and seeking fresh starts. It isn’t coincidence. It’s something called a ‘temporal landmark.’ Humans seek out ways to improve on ourselves, and one of the popular ones (behind getting fit, losing weight, and enjoying life) is getting our finances in order. Maybe … Continue reading How to Set Achievable Financial Goals – Plus a Free, Printable Guide

Debt Payday: January 2017

Debt Payday | Enough. A Personal Finance and Debt Reduction Blog

First payment of 2017 is in the books. This month ~87% of my total take-home pay was steered toward debt repayment and I was able to pay $1,485.58 above my required monthly payments. Here's the breakdown: Account Payment New Balance Credit Card  $1,485.58  $2,858.12 Student Loan 1 $98.19* $10,238.10 Student Loan 2 $135.32* $13,620.75 Student Loan 3 $168.92* … Continue reading Debt Payday: January 2017

The Details of a Year-Long Shopping Ban

A Year-Long Shopping Ban

I’m a few weeks into my second largest challenge (after paying my tens of thousands in debt…): a year-long shopping ban! This idea isn’t anything new, and it’s heavily inspired by Cait Flanders. Why a Year-Long Shopping Ban? I have a few key areas where I struggle with compulsive spending: coffee, clothing and cuisine. The … Continue reading The Details of a Year-Long Shopping Ban

15 Small Changes For Better Health, Wealth, and Happiness

15 Small Changes for Better Health, Wealth and Happiness

I recently shared my personal vision for the year. I recognize that progress and success comes by taking a series of small steps. In order to achieve my vision for my future self, here are the 15 small changes I’m planning to make this year: Stop Purchasing Books/Audiobooks, Use the Library Instead I pay for … Continue reading 15 Small Changes For Better Health, Wealth, and Happiness

Debt Payday: December 2016

Debt Payday | Enough. A Personal Finance and Debt Reduction Blog

Another month, another payment! This month I was able to pay $3,249.88  extra towards my debts. Here's how it all shook out: Account Payment New Balance Credit Card  $2,657.75  $2,185.07 Student Loan 1 $98.19* $10,317.92 Student Loan 2 $135.32* $13,620.75 Student Loan 3 $168.92* $5,332.77 Family Loan 0** TBD Auto Loan $189.70* $4,682.33 Mortgage $1,220.54 $179,288.88 *This … Continue reading Debt Payday: December 2016

The Necessary Nature of Trade-Offs in Personal Finance

The Necessary Nature of Trade-Offs in Personal Finance

After November’s mediocre showing, I’ve been reflecting on my actions over the past month. It’s clear that I was overzealous in my first debt payment, and in doing so I had to rely on my credit card to cover other expenses, which only succeeded in putting me in another bad spot. What I was lacking … Continue reading The Necessary Nature of Trade-Offs in Personal Finance