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# My Debt Epiphany

A blog about getting out of debt and getting on the right track financially

## Sitemaps

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## Posts

- [Blog](https://mydebtepiphany.com/blog/)
- [What Happens After Becoming Debt-Free?Building a Smarter Investment Strategy](https://mydebtepiphany.com/what-happens-after-becoming-debt-freebuilding-a-smarter-investment-strategy/) - Paying off debt is a major financial milestone. Whether you've eliminated credit card balances, student loans, personal loans, or a combination of obligations, reaching a debt-free status often feels like crossing a finish line after years of discipline and sacrifice. But what comes next? Many people spend years focused on debt reduction only to discover
- [How My Husband and I Paid Off $14,354.81 of Debt This Year](https://mydebtepiphany.com/husband-paid-off-14354-81-debt-year/) - This year has been a whirlwind filled with tons of change and exciting events. I launched a podcast with my blogging friends, got married, and quit my day job to be a full-time blogger and freelancer. The icing on the cake was that I still able to stick to my main goal of paying off
- [Beyond No Credit Check Loans: Why Borrowers Should Explore Alternative Options](https://mydebtepiphany.com/beyond-no-credit-check-loans-why-borrowers-should-explore-alternative-options/) - No-credit-check loans can be useful for borrowers who need fast access to funds and may not qualify for traditional credit-based options, especially in urgent situations where a simpler application process is preferred. However, like any financial product, they should still be carefully compared before making a decision. Borrowers often have more options than they realize,
- [Which Types of Insurance Should You Prioritize?](https://mydebtepiphany.com/which-types-of-insurance-should-you-prioritize/) - There are many types of insurance that we can use in order to protect us from loss. When something is insured, you don’t have to worry as much about losing or damaging it, as the insurer will pay out its value so that you can replace or repair it. Insurance has been described as a
- [The Real Cost of Your Bank Account: Do You Pay More Than You Think?](https://mydebtepiphany.com/the-real-cost-of-your-bank-account-do-you-pay-more-than-you-think/) - For many Filipinos, a traditional bank account is still seen as a reliable form of financial security. It’s where salaries are deposited, savings are stored, and bills are conveniently paid. Yet while banking offers these essential services, it also comes with costs that aren’t always obvious. These fees may seem small on their own, but
- [5 Simple Ways to Stop Stressing About Money](https://mydebtepiphany.com/stop-stressing-about-money/) - Money is an essential aspect of our lives and one that affects everything we do. From paying bills to buying groceries and even planning for the future, we need money for everything. The thought of not having enough of it or struggling to make ends meet can be extremely stressful and can take a toll
- [How to Budget For Weekly Date Nights](https://mydebtepiphany.com/budget-for-date-night/) - Want to have more regular date nights with your partner? Here's how to budget for date night weekly and carve out the time
- [12 Frugal Hacks You Can Use to Start Saving Thousands](https://mydebtepiphany.com/12-frugal-hacks-you-can-use-to-start-saving-thousands/) - Do you love the feeling you get when you have a savings safety net in your account? Are you looking for ways to save more? There are some easy hacks that can help you adopt a frugal lifestyle and potentially save thousands. All you need is dedication, a clear vision, and the reason why you
- [Achieving Financial Freedom with the Debt Snowball Method ](https://mydebtepiphany.com/financial-freedom-debt-snowball-method/) - The average American household has $96,371 in consumer debt according to Experian. This includes around $5,221 in credit card debt and $20,987 in auto loan debt. Several years ago when I first started my debt payoff journey, I was all about saving the most money in interest and tackling the big balances first (ie. using
- [How to Sell on the Facebook Marketplace](https://mydebtepiphany.com/how-to-sell-on-the-facebook-marketplace/) - Today we have a guest post from Jason who blogs over at MyMoneyChronicles.com. Jason makes a decent amount of money each month selling items online and even flips items to sell on sites like Ebay, Poshmark, and the Facebook Marketplace. If you're looking to earn some extra money selling items online, consider doing a little
- [6 Super Easy Ways to Make $100 a Day](https://mydebtepiphany.com/5-ways-to-make-money-in-your-spare-time/) - Everyone wants to have some extra money in their pockets. Whether it’s to pay bills, go on vacation, or simply make ends meet, more cash is always welcome. Perhaps you work a 9 to 5 job, but still don’t have enough money to buy the things you need or want. Maybe you want to save
- [20 Ways to Make Extra Money Today](https://mydebtepiphany.com/20-ways-to-make-extra-money-today/) - I hate when my budget gets tight or unexpected expenses pop up. It's not fun to think about having to spend more money than I planned, but I find comfort in knowing that I can make extra money when I need to. So what do you do if you need to make money fast? Do
- [How to Get Free PayPal Money in 2026](https://mydebtepiphany.com/how-to-get-free-paypal-money-in-2023/) - Do you ever wish you could earn free PayPal money without too much effort? It sounds like a dream, but it is possible, and there are many legitimate ways to earn free PayPal cash. With just a few clicks, or taps on your smartphone, you can get rewarded with real money for doing simple tasks
- [Crypto at the Point of Sale: A New Era of Financial Flexibility](https://mydebtepiphany.com/crypto-at-the-point-of-sale-a-new-era-of-financial-flexibility/) - For years, cryptocurrencies were primarily associated with investment portfolios and long-term holding strategies. But as the financial landscape evolves, a new question is taking center stage: how can digital assets function as practical money in everyday life? Consumers increasingly expect payments to be instant, contactless, and borderless. The global shift toward digital wallets and mobile-first
- [How to Save Money in Almost Every Area of Your Life](https://mydebtepiphany.com/how-to-save-money-in-almost-every-area-of-your-life/) - While it’s great to focus on increasing your income when paying off debt, building wealth, and more, it’s also important to continue to make an effort to save the money you make. The two go hand in hand. If you're used to spending your money, you may be wondering how to save more money every month.
- [Best Frugal Hobbies For Adults](https://mydebtepiphany.com/frugal-hobbies-for-adults/) - Up until just a few years ago, I'd get so stuck when people asked me what I liked to do for fun. I always felt like it was a trick question. As an adult, it seemed so hard to find time for hobbies and fun outside of occasional outings with friends or date nights with
- [How To Get Your Spouse On Board With Budgeting](https://mydebtepiphany.com/making-a-budget-with-your-spouse/) - A survey noted that 48% of American couples have arguments about their finances. That's nearly half! The clash is the result of being on different pages about money. Over time, it can certainly put a strain on your relationship. One way that can be a big help in turning this around for financially feuding couples
- [30 Frugal Ways to Spoil Your Spouse (+30 Budget Date Ideas)](https://mydebtepiphany.com/frugal-spoil-your-spouse/) - Relationships require a lot of communication, love, and nurturing to thrive. With this month being the most prominent time of year to express your love, I thought it would be fun to offer up some ideas of affordable and even some free ways to spoil your spouse followed by 30 budget-date ideas. I've only been
- [How Today’s Home Equity Loan Rates Shape Smart Borrowing Decisions](https://mydebtepiphany.com/how-todays-home-equity-loan-rates-shape-smart-borrowing-decisions/) - Access to capital often determines whether a plan moves forward or stalls. For business owners, homeowners, and investors, borrowing decisions are rarely abstract. They affect timing, cash flow, and long-term stability. Home equity loans remain a common option for those who want structured borrowing tied to an asset they already own. The interest rate attached
- [Travel on a Budget: Plan a Trip Without Breaking the Bank](https://mydebtepiphany.com/travel-on-a-budget-plan-a-trip-without-breaking-the-bank/) - Summer is practically here! That means warmer weather and new possibilities to venture out and explore your surroundings. If you want to get out and explore or go on vacation but don't have a ton of money to dedicate to travel, that doesn't necessarily mean you can't take a fun trip this summer. It's best
- [How I'm Getting Back on Track With Investing This Year](https://mydebtepiphany.com/how-im-getting-back-on-track-with-investing-this-year/) - I’ve been investing for a long time, and I usually talk a lot about consistency, compound interest, and building wealth over time. But here’s the honest truth… I haven’t been investing consistently for the past two years. Yes, I said it. I’m not proud of it, but I’m also not ashamed to admit that life
- [What Makes Crypto Games More Secure Than Regular Online Games](https://mydebtepiphany.com/what-makes-crypto-games-more-secure-than-regular-online-games/) - Crypto games draw attention for the way they protect players in a digital space where data and money share the same platform. These games replace traditional systems with blockchain networks that keep records transparent and hard to change. They stand out because the design of their technology makes cheating, fraud, and personal data leaks far
- [How Are You Able to Promote Your Online Business on Pinterest in 2021](https://mydebtepiphany.com/how-are-you-able-to-promote-your-online-business-on-pinterest-in-2021/) - If you aren’t yet using Pinterest to promote and market your business, it might be time to put stock into the idea, particularly now that it has gone public. Pinterest is fun and can boost creativity. It has become one of the most popular social media networks. The platform has about 88.3 minutes per visitor;
- [Traditional Savings or High-Yield Options? 7 Things to Consider](https://mydebtepiphany.com/traditional-savings-or-high-yield-options-7-things-to-consider/) - A key step in building financial stability is still saving money, and for many Filipinos, that journey begins with a savings account. It may involve a traditional savings account, widely available and backed by established banks. They offer basic features like ATM access, passbook records, and simple deposit or withdrawal processes. However, as digital banking
- [Exploring Borrower Options: Considering Alternatives to No-Credit-Check Loan](https://mydebtepiphany.com/exploring-borrower-options-considering-alternatives/) - No-credit-check loans are often advertised as lifesavers when you’re strapped for cash and need money immediately. Their appeal is clear: they provide fast access to funds without the need to consider credit history or scores. For someone in a financial pinch, that promise of fast cash with minimal hassle can be incredibly tempting. However, the
- [25 Days of Christmas - Cheap Christmas Activities For the Whole Family](https://mydebtepiphany.com/cheap-christmas-activities/) - Christmas is right around the corner and like always, I couldn't be more excited. The holiday season can be pretty hectic due to all the gift shopping, events, decorating, and big family meals but this is also the perfect time to slow down and enjoy loved ones. My husband and I were actually talking about
- [100+ Cheap Stocking Stuffer Ideas That Everyone Will Love](https://mydebtepiphany.com/cheap-stocking-stuffer-ideas-that-everyone-will-love/) - The holiday season is right around the corner. It seriously comes up so fast every year but it's a fun time to enjoy loved ones and get into the spirit of giving. If you like to stuff your family's stockings with fun trinkets, you'll love these cheap stocking stuffer ideas I rounded up. Whether you're
- [10+ Jobs That Pay $20 Per Hour](https://mydebtepiphany.com/10-jobs-that-pay-20-per-hour/) - With the cost of just about everything going up, many people are looking for better-paying jobs and side hustles. You've come to the right place if you're looking for jobs that pay $20 per hour or more. In this blog post, I'm covering 10 profitable and realistic options, many of which don't even require a
- [Tracking Your Net Worth: The Why and How](https://mydebtepiphany.com/tracking-your-net-worth-the-why-and-how/) - For many people, the most important number is their income. I get it. It's important to know what you're earning so you can budget more efficiently and perhaps even focus on earning more. Another number that holds a lot of weight is debt the amount of debt you might have. It can be daunting to
- [No Money For Christmas? Last Minute Ways to Make Cash FAST](https://mydebtepiphany.com/no-money-for-christmas/) - Did the holidays sneak up on you? Have you found yourself three weeks out with no money for Christmas? Don't worry, there is still time to make extra cash before Christmas. How? We can't make any guarantees and you'll need to act fast, but you can definitely get out and hustle yourself up some cash
- [14 Homemade Gift Ideas for Christmas](https://mydebtepiphany.com/homemade-christmas-gift-ideas/) - You may have heard that it's the thought that really counts. This couldn't be any more true when considering Christmas gifts to give your family and friends. Homemade gifts can be just as special and allow you to get creative and use what you know about the person to give them something special. Instead of
- [7 Ways to Bless Someone and Give Back This Holiday Season](https://mydebtepiphany.com/7-ways-to-bless-someone-and-give-back-this-holiday-season/) - Tis the season! The holidays are a wonderful time to celebrate life and enjoy ourselves. While we can get distracted by picking the perfect gifts and decorating, it is also a great time to give back. The holidays are a difficult time for those who have been struggling, whether it is financially or with their
- [Side Hustles Explored: Becoming a Mystery Shopper](https://mydebtepiphany.com/side-hustle-series-becoming-a-mystery-shopper/) - Your monthly money doesn’t have to be limited to a set amount. If you often wonder "If only I could make more money or I had a better job that paid me more money," then it might be time for you to establish a side hustle. I’ve committed to talking about a different profitable side hustle
- [6 Healthy Habits That Lead To a Better Credit Score](https://mydebtepiphany.com/better-credit-score/) - Each day millions of transactions take place with the help of credit sources. From bank loans to credit cards, we live in a time that provides instant purchase gratification opportunities with borrowed money. While having the use of credit is handy for many purchases and even in a pinch, it is extremely important to manage
- [Can You Buy a House With a Low Credit Score?](https://mydebtepiphany.com/can-you-buy-a-house-with-a-low-credit-score/) - With the cost of living on the rise, purchasing a house of your own can seem like a daunting goal to reach. Juggling the different responsibilities that arise in adulthood can create financial stress and for many, the casualty of such problems can result in a less than desirable credit score. The great news is
- [Why You Should Sign Up With CreditKarma If You Haven't Already](https://mydebtepiphany.com/creditkarma-review/) - CreditKarma has been around for almost 20 years, and has grown in popularity in the last decade or so. But, should you be using CreditKarma on your personal finance journey? Here's our honest CreditKarma review. The main feature that CreditKarma offers is its ability to provide you with free credit reports and scores. These consist
- [How to Check Your Credit Online For Free](https://mydebtepiphany.com/check-credit-online-free-free-checklist/) - Have you checked on your credit lately? It's important to know where your score stands and monitor your report regularly. This can help you be more prepared if you ever need to use credit and avoid any unfortunate situations like becoming a victim of identity theft. When I first started checking and monitoring my credit
- [Easy Ways to Get Credits For Audible For Free](https://mydebtepiphany.com/easy-ways-to-get-credits-for-audible-for-free/) - For customers who enjoy listening to books, Audible offers millions of audiobooks to download and relish. But purchasing books through Audible is significantly more expensive than books from a used bookstore or your local library. If you love Audible but don't want to spend too much money on audiobooks, here are some easy ways to
- [How to Repair Your Credit to Buy a House](https://mydebtepiphany.com/repair-your-credit/) - This post is sponsored by Lexington Law Firm. All thoughts and opinions are my own. Are you considering applying for a mortgage soon or within the next year? Having just bought a house, I know the process can be tedious and it's best to start planning in advance if you can't. One of the biggest
- [7 Best Part Time Holiday Jobs](https://mydebtepiphany.com/7-best-part-time-holiday-jobs/) - Looking for a way to make some extra money just in time for the holidays? It's not too late to get started with part-time holiday jobs that pay well.
- [Best 7 CBD Merchant Services to Prevent Chargebacks in 2025](https://mydebtepiphany.com/best-7-cbd-merchant-services-to-prevent-chargebacks-in-2025/) - Chargebacks remain one of the biggest challenges for CBD businesses in 2025. High-risk classification and strict banking rules make it harder to keep transactions smooth and secure. The best way to reduce chargebacks is to work with merchant services that specialize in CBD and high-risk industries. These services understand the unique challenges of the market
- [10 Best Things To Do in Montego Bay](https://mydebtepiphany.com/things-to-do-in-montego-bay-in-august/) - I love Montego Bay, Jamaica. We spent our honeymoon there so this country will always have a special place in my heart. My husband and I also recently revisited Montego Bay in August. Jamaica is a beautiful country filled with lots of nature, culture, and delicious food. We usually always book our stay with IHG
- [Holiday Inn Resort Montego Bay Jamaica Review](https://mydebtepiphany.com/holiday-inn-montego-bay-jamaica-review/) - We recently visited the Holiday Inn Resort in Montego Bay, Jamaica. This is an all-inclusive resort that we've been to twice now. Both times we paid for our stay exclusively with points - so it was 'free to us'. Jamaica is a beautiful country, and we really loved the resort. While the resort was nice
- [Best Educational Holiday Gifts for Kids](https://mydebtepiphany.com/best-educational-holiday-gifts-kids/) - Christmas shopping for kids can seem like a massive haul, but it will all be over soon and you'll be able to relax and enjoy the holidays with family. While doll houses, video games, and playsets are among some of the most popular (and expensive) gifts to purchase for your kids, I also like throwing
- [How We Bought a House (Again) in 2025](https://mydebtepiphany.com/how-we-bought-a-house-again-in-2025/) - Buying a home in 2025 isn’t easy with rising prices and mortgage rates, but it’s still possible. Here’s how we prepared financially, worked with the right team, and found a house we love.t.
- [Best Tips and Tricks to Plan a Frugal Last-Minute Vacation](https://mydebtepiphany.com/plan-a-frugal-last-minute-vacation/) - A few months ago, I had the opportunity to book an awesome trip to California with my sister. It was a super last-minute and I wasn’t even sure if I’d go right away, but I was so grateful for the opportunity. One of my favorite singers from my childhood, Stacie Orrico, was having a one-time
- [What Can I Sell For $1,000?](https://mydebtepiphany.com/what-can-i-sell-for-1000/) - What can I sell for $1,000? It's a question many of us may think about but dare not say out loud. Selling something for $1,000 seems like a huge purchase. The thing is, people are making these types of transactions every day. If you're wondering what you can sell for $1,000 or more, there are
- [How Can a QSR POS System Speed Up Service During Peak Rush Hours?](https://mydebtepiphany.com/how-can-a-qsr-pos-system-speed-up-service-during-peak-rush-hours/) - Peak hours often test a quick service restaurant more than any other time of day. Orders pile up, staff move fast, and customers expect speed without mistakes. A modern POS system helps cut down wait times by streamlining order entry, speeding up payment, and sending accurate information straight to the kitchen. This technology does more
- [How to Balance Student Loan Payments with Your Monthly Bills](https://mydebtepiphany.com/balance-student-loan-payments-with-your-monthly-bills/) - Americans owe a total of around $1.78 trillion in student loan debt. That's a lot of zeroes. Even for those with higher six-figure student loan debt, balancing paying off debt while managing daily living costs is challenging. If you're one of the many people who need to balance student loan payments with your monthly bills,
- [Best Stay at Home Mom Jobs For 2025](https://mydebtepiphany.com/best-stay-at-home-mom-jobs/) - Looking to stay at home and make money? Whether you're a stay at home parent or spouse, you may be interested in ways to earn an income part-time. Being a stay-at-home mom is one of the most rewarding jobs and it's something I longed for when my son was young. I wanted to be there
- [Creative Virtual Assistant Services You Can Offer For $30+ Per Hour](https://mydebtepiphany.com/creative-virtual-assistant-services/) - Thinking about becoming a virtual assistant? Also referred to as a VA, virtual assistants perform a variety of tasks to help business owners, bloggers and entrepreneurs run operations. I've been doing work as a VA part-time since 2015 and earn around $2,000 per month. I actually wasn't looking to become a VA at first and
- [How to Become More Self-Sufficient This Year](https://mydebtepiphany.com/how-to-become-more-self-sufficient/) - Discover practical ways to become more self-sufficient this year. Learn simple skills, save money, and reduce reliance on outside resources while creating a lifestyle that’s more resilient and rewarding.
- [How to Make Money Without a Job](https://mydebtepiphany.com/how-to-make-money-without-a-job/) - Let's be honest, times have gotten hard for many. And with rising inflation, constant layoffs, and having to jump through a bunch of different hoops just to get an interview, many people are worried about money. But what happens when you're unemployed and still need to pay your bills? Or maybe you're unable to work
- [15+ Apps For Freebies](https://mydebtepiphany.com/15-apps-for-freebies/) - In this digital age where our smartphones have become an extension of our everyday lives, apps have transformed how we live, work, and play. Millions of apps exist and I personally like to limit how many apps I download since there's one for everything it seems. However, apps for freebies are some of the best
- [Cheapest Ways to Live (That Are Actually Realistic)](https://mydebtepiphany.com/cheapest-ways-to-live-that-are-actually-realistic/) - When I first wrote this blog post on cheap housing alternatives, I never imagined how much it would resonate with people. It’s been a long-time favorite on my blog, and for good reason. We all want to save more money, and housing is often the single biggest monthly expense in the budget. But while ideas like
- [Affordable Back-to-School Dinner Ideas That Make Weeknights Easier](https://mydebtepiphany.com/affordable-back-to-school-dinner-ideas/) - Back-to-school season always seems to sneak up on me. One minute, we're enjoying the slower pace of summer, and the next, we’re rushing out the door trying to beat the clock and get fed, dressed, and out the door on time. Now that my son is in high school, his schedule (and appetite) has leveled
- [Best Online Dollar Stores to Try This Year](https://mydebtepiphany.com/best-online-dollar-stores/) - The dollar store is one of my favorite stores. I love that I can typically get some good bang for my buck since everything is so cheap. I buy lots of decor, home and kitchen supplies, and other items from the dollar store often. Did you know that there are online dollar stores too? Today
- [How to Work Toward Financial Independence and Still Enjoy the Present](https://mydebtepiphany.com/how-to-work-toward-financial-independence-and-still-enjoy-the-present/) - The other day, a reader asked me a very interesting question. He wanted to know how to balance the quest for financial independence while still trying to live and enjoy life in the present as someone in your 20s and 30s. On Twitter, my bio says: “Trying to balance living a good life now and
- [Strategic Access Is the New Wealth](https://mydebtepiphany.com/strategic-access-is-the-new-wealth/) - We used to define wealth by what people owned. Property. Stocks. Maybe some gold in a vault. That idea worked when the economy rewarded accumulation and long-term security felt guaranteed. But the world has changed. Access has replaced ownership as the currency that matters. Today, wealth is not what sits in your account. It is
- [How to Choose a Symbolic Gift for Milestone Moments](https://mydebtepiphany.com/how-to-choose-a-symbolic-gift-for-milestone-moments/) - Today, most people say they feel more special and valued when receiving gifts for special milestones. Oftentimes, however, gift-givers just settle for the easy-to-grab and generic mementos. That's why, if you really want to impress and give a truly symbolic present that will be dearly treasured, worn, or kept for years—let these insights guide you
- [How Tax Debt Relief Programs Can Help You Regain Financial Freedom](https://mydebtepiphany.com/tax-debt-relief-programs-regain-financial-freedom/) - Dealing with tax debt can feel overwhelming and isolating, especially when the pressure from the IRS intensifies. Many individuals struggle silently, unsure of where to turn or how to handle mounting tax obligations. The good news is that there are options available that can alleviate this burden and help you regain financial stability. Connecting with
- [Frugal Summer 2025 Bucket List](https://mydebtepiphany.com/frugal-summer-2025-bucket-list/) - Summer is finally here, and if you've been around for any length of time, you know that I love a good summer bucket list. I also like to enjoy myself and relax without spending a ton of money. This foundation stems back to my single mom days several years ago when I made it a
- [How to Manage Loans so You Become Debt Free](https://mydebtepiphany.com/how-to-manage-loans-so-you-become-debt-free/) - Being in debt can be an issue if it's causing you a massive headache. If you are feeling weighed down by the pressure of making payments each month, you want to become debt free as soon as possible. The best way to do this is to manage your borrowing and to resist the temptation to
- [How To Stop Letting Money Control You](https://mydebtepiphany.com/how-to-stop-letting-money-control-you/) - “Money can’t buy happiness”. Or so the popular saying goes. I wholeheartedly agree. Just because money can keep you from becoming depressed due to financial hardships, that doesn’t mean that it’s the ultimate key to happiness. At the end of the day, I realize that I can pay off all my debt, buy a house,
- [How to Build a Strong Mental Health Support System on a Budget](https://mydebtepiphany.com/how-to-build-a-strong-mental-health-system/) - You’re spinning plates: work, bills, relationships. One slip could send it all crashing. Sound familiar? And yet, when funds are tight, self-care often ends up on the back burner. That’s the trap. But here’s the opportunity: you don’t need deep pockets to build a support system that actually supports you. Read on to find out
- [Debt Collection Laws and How They Protect You](https://mydebtepiphany.com/debt-collection-laws/) - Debt collectors don’t have unlimited power. They’re bound by federal and state laws, and when they cross the line—using intimidation, deception, or repeated contact—they can be held accountable. Still, thousands of people each year face pressure from collectors who count on them not knowing their rights. Still, many collectors rely on pressure and misinformation to
- [Frugal Wedding Series: How to Throw a Last Minute Bridal Shower on a Budget](https://mydebtepiphany.com/throw-a-bridal-shower-on-a-budget/) - The price of being in a bridal party is often underestimated. From purchasing your attire and a gift to attending all the events and outings, expenses can rack up quickly, especially for a bridesmaid. When I started planning my wedding in 2016, I knew that I would have a ton of bridesmaids and didn’t want
- [Top Ways to Earn Passive Income (And Why It's Important!)](https://mydebtepiphany.com/how-and-why-you-need-to-earn-passive-income/) - Earning more while working less sounds like an unobtainable dream to some people. It’s very possible though, as long as you establish some passive income. Passive income opportunities are great because it doesn’t require your direct involvement. You can earn money when you’re doing something else with your time or even when you’re sleeping. It
- [On Breaking Your TV Addiction...](https://mydebtepiphany.com/how-to-break-your-tv-addiction/) - I don't know who needs to hear this, but it's time to break your TV addiction. I'm not coming from a place of criticizing or judging other people either because... Hello, my name is Choncé and I'm a TV addict. Yes, it's that serious. I know the average American watching a lot of television, but
- [7 Financial Decisions to Make Immediately After an Injury](https://mydebtepiphany.com/7-financial-decisions-to-make-immediately-after-an-injury/) - Suffering an unexpected injury, particularly from a motorcycle or car accident, throws your life into immediate chaos. In addition to the physical pain and emotional distress, a huge cloud looms over you: the cost. From accumulating medical bills to lost income and unexpected charges, the financial hit can be daunting. However, by responding fast and
- [The Most Overlooked Tax Deductions That Pay Off Big](https://mydebtepiphany.com/the-most-overlooked-tax-deductions-that-pay-off-big/) - Whether you're a business owner or a student, there are a lot of techniques to save money during tax season. Learn about the most overlooked tax deductions. What worries Americans the most? Money. Recent studies show that not only is money the number one cause of stress in America, but it’s also taking over people’s
- [Emergency Fund Tips: How to Grow Your Account Fast and Where to Start](https://mydebtepiphany.com/grow-emergency-fund-fast/) - I'm super attached to my emergency fund. I saved my first baby emergency fund of $2,000 in 2015 when I'd just started out on my debt payoff journey. Since then, I've had a hard time becoming comfortable parting with the money for any reason. It's important to save money and avoid touching it in case
- [Inspiring Ideas to Connect with Women Readers as a Freelance Writer](https://mydebtepiphany.com/inspiring-ideas-to-connect-with-women-readers-as-a-freelance-writer/) - In freelance writing, connecting with your audience is key to success, especially with women readers. Understanding their experiences, aspirations, and challenges allows you to craft stories and insights that truly resonate. Writing heartfelt posts or informative guides that inspire action and spark dialogue builds lasting relationships and fosters meaningful engagement. Truly connecting with women readers
- [My Monthly Single Mom Budget - Living and Paying Off Debt on $32,000/year](https://mydebtepiphany.com/monthly-budget-explained/) - I really don't like those stereotypes that claim most single moms are low income and struggling to make ends meet. As a former single mom myself, it seemed super discouraging. Don't get me wrong, it can be difficult to be a single mom. You have the only income coming into the household. Plus, you have
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- [7 Financial Steps After a Car Accident](https://mydebtepiphany.com/7-financial-steps-after-a-car-accident/) - A car accident can be a jarring experience, physically, emotionally, and financially, leaving you with the aftermath that has to be faced with a clear strategic approach to safeguard your financial interests and well-being. So, it's always to your advantage if you have these must-dos up your sleeve. 1. Immediate Documentation: Your Financial Safeguard When
- [Investing in Crypto the Smart Way](https://mydebtepiphany.com/investing-in-crypto-the-smart-way/) - It’s been a while since cryptocurrencies like Bitcoin hit the roof with their market value, so does it make sense to invest in cryptocurrencies now? Well, it does make sense and they can be quite profitable too, as long as you are smart with your investments. If you are a beginner who is looking to
- [How To Change Your Side Hustle Into a Full-Time Job](https://mydebtepiphany.com/how-to-change-your-side-hustle-into-a-full-time-job/) - Turn passion into a full-time job. Discover the steps to turn your side hustle into a thriving full-time business.
- [4 Ways to Maximize Your Retirement Account](https://mydebtepiphany.com/4-ways-to-maximize-your-retirement-account/) - Many people today are not going to have much of a retirement because they do not have enough money saved up. Many others have not thought much about it and made no plans for it. If you want to have a retirement where you can relax and enjoy your senior years, there are four ways
- [How to Pay for a Car in Cash](https://mydebtepiphany.com/how-to-pay-for-a-car-in-cash/) - This post is from our regular contributor, Leslye. A vehicle is one of the main sources of debt for consumers. Part of an effective debt management plan is determining ways to minimize costs so you can either put more money toward debt or contribute to savings to avoid debt in the future. What if you
- [Business Finance Strategies for Sustainable Growth](https://mydebtepiphany.com/business-finance-strategies-for-sustainable-growth/) - No matter what size your business, you need to have your finances in order. You also need to know how to implement strategies that promote sustainable growth while staying within your budget. Not everyone knows how to grow while remaining financially sound. While it might seem like investing all your money at one time is
- [Comparing Reverse Mortgages to Other Retirement Income Options](https://mydebtepiphany.com/comparing-reverse-mortgages-to-other-retirement-income-options/) - Retirement sneaks up fast, and suddenly, you’re wondering how to stretch your savings into a steady paycheck. For many, the nest egg isn’t quite enough—Social Security helps, but it’s rarely the whole answer. That’s when folks start eyeing their options: tapping investments, picking up a part-time gig, or even leaning on home equity. Reverse mortgages
- [Student Loan Payments Are Coming Back, Here's What You Can Do](https://mydebtepiphany.com/student-loan-payments-are-coming-back-heres-what-you-can-do/) - If your student loan payments have been paused due to Covid, payments will be starting up again this fall. Federal student loan payments have been paused for three years now even though it doesn't seem like it's been that long. Last month, the Supreme Court voted against President Biden's one-time student loan forgiveness plan and
- [How to Save $5,000 in 6 Months](https://mydebtepiphany.com/how-to-save-5000-in-6-months/) - Saving a large amount of money can be challenging, but it's not impossible. Even with an average income, you can learn how to save $5,000 in 6 months, give or take. Saving $5,000 in less than a year is a great goal if you're looking to save up for a down payment on a home,
- [Best Clean Eating Grocery List for Newbies](https://mydebtepiphany.com/best-clean-eating-grocery-list-for-newbies/) - It seems that you can’t go anywhere today without hearing about a new eating plan that is supposed to get your health in the ultimate shape. From keto to the Mediterranean diet to Paleo, the options seem endless and can be overwhelming! Having tried many types of meal plans in search of what suits my
- [My Favorite Planners to Get Organized and Meet Your Goals (2025)](https://mydebtepiphany.com/favorite-planners-get-organized/) - It's no secret that I'm a huge planner girlie. I just started using Google Calendar to share my schedule and important appointments with my husband, but I live for a written planner. Something just feels so official about writing down your goals and routines. It's also a very intentional way to get organized and make
- [Managing Money as a Freelancer](https://mydebtepiphany.com/managing-money-as-a-freelancer/) - Separate business and personal finances – Open a banking account for freelancers to track earnings and expenses efficiently. Budget for irregular income – Plan ahead and build a financial buffer to handle slow months. Save for taxes and retirement – Set aside 25-30% of income and explore retirement savings options. Improve invoicing and payments –
- [8 Financial Tips Every Small Business Owner Should Know](https://mydebtepiphany.com/8-financial-tips-every-small-business-owner-should-know/) - If you're a business owner, you know that running a business is not easy. There are hundreds of things to think about and do, especially for small business owners who don't have large teams. Statistics show that up to 20% of new businesses shut down during the first two years of operation, 45% don't make
- [The Best Freelance Jobs That Offer Both Money and Freedom](https://mydebtepiphany.com/the-best-freelance-jobs-that-offer-both-money-and-freedom/) - The freedom of the modern era means that you have a ton of different options for earning money while working different jobs. In a previous article, we talked about a few different avenues where you could earn a little money on the side with minimal effort. But what if you want to scale that side
- [9 Failsafe Ways to Save on Car Insurance](https://mydebtepiphany.com/9-failsafe-ways-to-save-on-car-insurance/) - Car insurance, like any other, is a bothersome stipend that is also applied to every citizen of this world by the law. It is a necessity to stay away from things like unfortunate incidents and expensive fixtures for a vehicle. Cars need repair due to sudden damage or when wrongfully inflicted by another driver. And
- [How to Become a Virtual Assistant](https://mydebtepiphany.com/side-hustles-explored-becoming-a-virtual-assistant/) - Virtual assistant work is one of the most popular ways to make money from home. If you want to become a virtual assistant, this is a top online job right now since it's flexible and pays well. Generally, all you need is a computer, an internet connection, and a strong desire to help others with
- [Cheap and Romantic Valentine's Day Date Ideas](https://mydebtepiphany.com/romantic-cheap-valentines-day-date-ideas/) - The most romantic day of the year is around the corner and if you’re anything like me, you are still trying to find ways to show your significant other how much you care without breaking the bank. Although most people are still in financial recovery mode from the Christmas holiday season, Valentine's Day is approaching
- [Frugal Meal Ideas That Are Easy to Prep](https://mydebtepiphany.com/frugal-meal-ideas-that-are-easy-to-prep/) - Food is at the center of our lives. Each day we make meal choices that nourish our bodies or indulge our cravings. While we all love a great meal, our budget and time constraints can sometimes leave us with a lack of desirable culinary options. Creating a list of go-to meals that don’t break the
- [How to Achieve Goals You Set This Year](https://mydebtepiphany.com/how-to-achieve-goals-you-set-this-year/) - “A goal is a dream with a deadline”. I’m not sure who originally said it, but they were correct. Dreams are wonderful, but making them a reality is even better. Setting goals are great because they can make you feel inspired and motivated. However if you fail to achieve them it can create negative feelings. The
- [7 Ways to Secure Your Family's Financial Future](https://mydebtepiphany.com/7-ways-to-secure-your-familys-financial-future/) - Your family’s financial security involves more than just making ends meet or building wealth. It also involves protecting your family during emergencies such as death and bad health. Here are seven strategies to help you achieve a secure financial future for your family. Set Long-Term Goals The first step to securing the financial future of
- [How to Tackle High-Interest Debt Without Feeling Overwhelmed](https://mydebtepiphany.com/how-to-tackle-high-interest-debt-without-feeling-overwhelmed/) - Debt can feel suffocating, especially when high interest rates make it harder to pay off the balance. Every time you make a payment, a big chunk goes toward interest instead of actually reducing what you owe. It’s frustrating, stressful, and can make it seem like you’re stuck in a never-ending cycle. If you’re dealing with
- [Building Wealth for Retirement With Alternative Investment Options](https://mydebtepiphany.com/building-wealth-for-retirement-with-alternative-investment-options/) - You've spent years working hard—now retirement's on the horizon, and having enough money to truly enjoy those years ahead matters more than ever. Diversifying your investment portfolio is a wise way to financially prepare for retirement. Traditional assets like stocks and bonds have long been popular, but alternative investments are becoming popular as effective ways Alternative investments can diversify your portfolio and enhance returns when building wealth for retirement. Read this blog for reliable options to consider.
- [Finding the Right Side Hustle For You](https://mydebtepiphany.com/finding-right-side-hustle/) - Side hustles are literally the talk of the town on the internet and many blogs these days. Everyone is no doubt either taking up a side hustle, encouraging others to follow suit, or teaching others about how they can get started. As a result, I’ve even been heavily motivated to start side hustling, again. Go
- [13+ Wise Ways to Use $50k in Cash](https://mydebtepiphany.com/13-wise-ways-to-use-50k-in-cash/) - Have you recently received a lot of money, such as $50k in cash? Maybe you've just sold your house or received an inheritance. Or, maybe you have some business profit or have saved up this sum over time. You probably don't want to waste this cash and use it unwisely. If you're looking for some
- [10 Ways to Afford a $1,000 Vacation](https://mydebtepiphany.com/10-ways-afford-1000-vacation/) - Budgeting for day-to-day expenses and handling unexpected costs can be a challenge in itself. This is why according to the Wall Street Journal, many Americans claim they can’t afford a vacation. Going on vacation is not a necessity and you can definitely survive without one, but it’s a common luxury we all like to have
- [10 Cheap Housing Alternatives](https://mydebtepiphany.com/10-cheap-housing-alternatives/) - In 2018, we bought our first house. It was a super exciting purchase but we knew we had a lot of work ahead of us. Owning a home means you need to handle all your maintenance and repairs, pay for taxes, and cover every utility bill. There were definitely some hidden expenses that came up.
- [10 Legitimate Best Paying Focus Group Websites](https://mydebtepiphany.com/10-legitimate-best-paying-focus-group-websites/) - Have you ever heard the phrase “a penny for your thoughts?” What if I told you that your thoughts are worth much more? We all have opinions and if you’re not shy about sharing them, they can be quite lucrative. Focus groups are moderated discussions involving a deliberately selected group of individuals. They are a
- [From Debt to Dream Home: How Park Model Log Cabins Help You Live Mortgage-Free](https://mydebtepiphany.com/debt-to-dream-home-park-model-log-cabins/) - The dream of living debt-free can feel out of reach when rising housing costs and traditional homeownership weigh heavily on finances. But what if there was a way to have a beautiful, comfortable home without taking on a lifetime of mortgage payments? For those ready to embrace a simpler, more intentional lifestyle, park model log
- [How Contracting Skills Will Boost Your Income](https://mydebtepiphany.com/how-contracting-skills-will-boost-your-income/) - Many families today struggle with their basic incomes. Side hustles come in handy during such difficult financial times, but it isn’t just any side hustle that offers a stable and flexible money-earning opportunity. A great way to get a lucrative side job is to specialize. Contracting skills, especially those in low-voltage systems can be very
- [Emergency Loans: When to Use Them and When to Avoid Them](https://mydebtepiphany.com/emergency-loans-when-to-use-them-and-when-to-avoid-them/) - Unexpected expenses can arise at any time—often catching people off guard financially. Whether it’s a sudden car repair, a medical bill, or a broken appliance, these emergencies can quickly derail your budget. Emergency loans can provide fast relief when you’re in a financial bind, but it’s important to understand when to use them responsibly and
- [I Raised My Credit Score By 150 Points, Here's How](https://mydebtepiphany.com/i-raised-my-credit-score-by-150-points-heres-how/) - Photo By: Cafe Credit via Flickr under the Creative Commons License While your credit score isn't the most important aspect of your financial profile, it should not be ignored. As a teenager, I never really understood the concept of credit and how to build up my score properly. Before I even turned 18, I unknowingly
- [Budgeting With a Low Income, Yes It's Possible](https://mydebtepiphany.com/budgeting-with-a-low-income/) - Longtime readers of this blog know that my income hasn't always been great. Even when I had a low income, I knew that budgeting was the answer if I wanted to get better with money and improve my situation. Some people believe that budgeting is hard when you have a low income because there's not
- [A Beginner's Guide to Investing: 7 Products You Should Know](https://mydebtepiphany.com/a-beginners-guide-to-investing-7-products-you-should-know/) - Starting your investment journey is one of the most empowering steps you can take toward securing your financial future. Once you’ve built a stable financial foundation with essentials like an emergency fund and manageable debt, investing is the next step to grow your wealth and protect it against inflation. It’s a long-term approach that can
- [Birthday Freebies Roundup](https://mydebtepiphany.com/birthday-freebies-roundup/) - I thought it would be fun to create this roundup of free things to do and eat on your birthday. I've updated the list by checking to make sure all the current offers are still valid, added some new offers to some of the categories and created a new section specifically for kids. There are
- [The Common and Not-So-Common Retirement Expenses You Need to Budget For](https://mydebtepiphany.com/the-common-and-not-so-common-retirement-expenses-you-need-to-budget-for/) - Retirement marks the time when most people hang up their career hats and focus on health and happiness for the rest of their lives. Family and health become the focus during the golden years as we age, but if you don’t plan on working during this period, you will need to save up for it. #
- [How Business Cards Can Help Increase Business And Reduce Debt](https://mydebtepiphany.com/how-business-cards-can-help-increase-business-and-reduce-debt/) - We live in a world where everything’s so digital that it’s easy to forget the power of something as simple as a business card. Small, right? But these little rectangles could help grow your business and maybe even tackle that debt weighing you down. Sounds unbelievable, but it’s true. Let me tell you how. Making
- [Best Personal Finance Podcasts and Resources to Improve Your Money Mindset](https://mydebtepiphany.com/best-personal-finance-podcasts-and-resources-to-improve-your-money-mindset/) - There has never been more information available on money and finances as there is today. However, so many people are still in the dark on how to master their money mindset. On a daily basis, the majority of people struggle with reaching their financial goals. They work hard, create budgets, are smart with their money
- [How to Save and Build Investment Capital From a Low Income in New Jersey](https://mydebtepiphany.com/how-to-save-and-build-investment-capital-from-a-low-income-in-new-jersey/) - Wealth-conscious citizens of the U.S., including New Jersey, recognize passive investments as a reliable way to build wealth and financial security. However, the data shows that over 36% of the state’s population are low-income earners. These people can barely make ends meet, let alone save up capital for investments. Nevertheless, you can break this vicious
- [2024 Holiday Gift Guide: Best Gifts to Buy from Amazon for Loved Ones](https://mydebtepiphany.com/holiday-gift-guide-best-gifts-buy-amazon-loved-ones/) - It's almost that time of year again! The holidays are upon us. If you're like me, you've vowed not to wait until the last minute. That's why we have crafted a Holiday Gift Guide to get you started today. Online shopping can be a lifesaver. During the holidays, traditional retail gets crowded and sometimes chaotic.
- [How to NOT Give Gifts and Still Celebrate the Holidays](https://mydebtepiphany.com/how-to-not-give-gifts-and-still-celebrate-the-holidays/) - Like most people, I really enjoy the holiday season. I love spending time with my family and celebrating Thanksgiving, Christmas, and New Years. In the past, Christmas was a stressful time for my household financially. A few years ago, we decided to skip Christmas gifts for our families of origin and extended family as well
- [How Can Financial Advisory Firms in Long Beach Help You Maximize Your Tax Savings?](https://mydebtepiphany.com/financial-advisory-firms-long-beach/) - Financial advisory firms in Long Beach offer valuable expertise to help residents optimize their tax strategies and maximize savings. These professionals possess in-depth knowledge of local and federal tax laws, enabling them to identify opportunities that individuals might overlook. A professional financial advisor in Long Beach can analyze your unique financial situation and develop tailored
- [How I'm Preparing For Holiday Expenses](https://mydebtepiphany.com/how-im-preparing-for-holiday-expenses/) - The holiday season will be here before you know it. I like to use that time to slow down and enjoy my time with friends and family. I like to partake in my favorite traditions like drinking hot cocoa and watching a Christmas movie, decorating the tree as a family, and looking at lights around
- [Reflections on Paying Off My Student Loans In Less Than 3 Years](https://mydebtepiphany.com/reflections-on-paying-off-my-student-loans-in-less-than-3-years/) - Thank you Navient for sponsoring this post. ***This post originally appeared on My Debt Epiphany on Sept. 25th, 2017*** Next month, I'm excited to share that I'll be making my final student loan payment and I'm super excited about it! I've had student loan debt for my entire adult life and I'm interested to
- [Debt Mindset Series: Valuing a Debt Free Life](https://mydebtepiphany.com/debt-mindset-series-values/) - I know so many college grads with student loan debt who are eager to pay it off. One of the first questions I ask them is how hard are they willing to work to pay their loans off early and start living a life that isn't bound by debt. This week for the Debt Mindset
- [Take the Leap: 8 Tips for Starting Your Solopreneurship Journey](https://mydebtepiphany.com/take-the-leap-8-tips-for-starting-your-solopreneurship-journey/) - The idea of being your own boss and running your own business can be thrilling and terrifying all at once. Making the leap into solopreneurship is a big step that requires thoughtful planning and preparation. If you're considering starting your own solo business, here are some tips to help launch your entrepreneurial journey. Do Your
- [22+ Websites That Pay Writers for Guest Posts](https://mydebtepiphany.com/22-websites-that-pay-writers-for-guest-posts/) - If you've been wanting to start earning money as a freelance writer, or just have some interesting stories to share and would like to do some one-off writing and publish your article online for extra money, paid guests post opportunities are just what you need. When I first got into freelance writing, I was eager
- [How to Stop Living Paycheck to Paycheck Once and For All](https://mydebtepiphany.com/stop-living-paycheck-to-paycheck/) - Are you living paycheck to paycheck? You're not alone. According to a Highland Solutions survey, more than 63% of Americans live paycheck to paycheck. According to this particular survey, the pandemic has increased the number of people who feel they are on a much tighter budget with even less room to spare. Unfortunately, this is
- [Avoid Debt Accumulation with These 7 Practical Tips ](https://mydebtepiphany.com/avoid-debt-accumulation-with-these-7-practical-tips/) - These days, it's easy to get caught up in the desire for material possessions and the lifestyle they promise. However, this often leads to excessive spending and, ultimately, debt accumulation. To avoid falling into this trap, it's essential to adopt practical strategies that promote financial discipline and responsible spending habits. This guide will provide
- [Can't Stop Spending Money? Smart Strategies and Practical Tips to Regain Control](https://mydebtepiphany.com/cant-stop-spending-money/) - Are you struggling with not being able to control your spending? Just know that you're not alone, and it's a challenge that can be overcome. Breaking free from the cycle of excessive spending involves understanding triggers, setting financial goals, and resisting temptations. Utilizing practical budgeting techniques, such as identifying income and expenses, using financial tools
- [Save Money Fast with These Tips](https://mydebtepiphany.com/save-money-fast-with-these-tips/) - Are you one of millions out there who struggles to pay off debts every month? If knowing that you’re not alone is any consolation, understand that about 80% of the population is also in the deep pits of debt. It’s something all too common for the average person, and talking about it can make some
- [8 Smart Ways to Save Money on Back-to-School Clothes](https://mydebtepiphany.com/save-money-on-back-to-school-outfits/) - School is almost back in session and back-to-school expenses can really drain your finances if you aren't careful and let them creep up on you. Back-to-school outfits are probably one of the highest expenses you'll have during this time of year if you're a parent, but it doesn't have to be. I actually like back-to-school
- [How to Travel a Lot on a Tight Budget](https://mydebtepiphany.com/how-to-travel-a-lot-on-a-tight-budget/) - Travel broadens your perspectives, pushes you outside your comfort zone, and exposes you to new cultures. Exploring the world provides eye-opening experiences that teach you invaluable life lessons. You gain a deeper understanding of others while learning more about yourself through travel. It makes you more open-minded, and independent, and gives you memories that last
- [11 Best AI Side Hustles](https://mydebtepiphany.com/11-best-ai-side-hustles/) - The power of artificial intelligence is difficult to overlook these days, especially because it's become more popular with tools like ChatGPT. Luckily, many people can take advantage of the best AI side hustles and start earning more money from home. The best part is that working with AI doesn't require any extra knowledge or skills
- [6 Ways to Make an Extra $500/month This Summer](https://mydebtepiphany.com/ways-make-extra-500month-summer/) - Not only does summer mean warm weather for most of us and the opportunity to participate in more outdoor activities, summer can also mean more free time if you're out of school or experiencing a slow period for work. A great way to make use of any spare time you and to earn extra money
- [5 Steps to Improve Your Financial Health](https://mydebtepiphany.com/5-steps-to-improve-your-financial-health/) - Having control over your finances provides long-term stability and comfort, even if life sometimes becomes turbulent. Financial stability should be achieved not only through regular income but also by effectively managing existing resources. One should also foresee the future and work towards achieving financial viability during the golden years. This blog details five steps you
- [Is Cryptocurrency Best as a Short-Term or a Long-Term Investment?](https://mydebtepiphany.com/is-cryptocurrency-best-as-a-short-term-or-a-long-term-investment/) - The past few years have witnessed a significant change in the way people view cryptocurrency as an investment. While many investors are still wary of the high level of volatility that’s inherent too many digital coins, they have also become more cognizant of the asset’s potential for significant returns and technological innovation. This is because,
- [Frugal Summer Bucket List](https://mydebtepiphany.com/frugal-summer-bucket-list/) - Summer is nearly here! Growing up in the Midwest with harsh winters, I'm definitely more appreciative of the warm weather months because summer always seems to fly by so fast. I know that I want to make the most of this time and not look back and wonder where the time went. But summer can
- [9 Tips for Preparing for Retirement](https://mydebtepiphany.com/9-tips-for-preparing-for-retirement/) - For most of us, retirement is a period to look forward to. The prospect of no longer working full time, having time to pursue hobbies, and whatever else you want to do with your free time. However, it’s understandable if the thought of retirement is scary. It’s a change, which can be a frightening thing
- [The Simple Dos and Don't of Drafting a Budget](https://mydebtepiphany.com/the-simple-dos-and-dont-of-drafting-a-budget/) - Drafting a budget may not be anyone’s idea of a good time (unless you’re an accountant), but it’s the vital first step on the journey of meeting your financial goals. It needn’t be a complex task, either; a simple spreadsheet or a blank notepad and pen are all you need to create your new budget.
- [How To Find An Employer That Can Afford To Pay You More](https://mydebtepiphany.com/employer-pay-you-more/) - You've probably thought about how you could earn more money working for your employer before. Getting a raise or bonus may even be a common thought you revisit often. However, if your employer's budget is tight or they simply are unable to give you a pay boost, it may be time to search for an
- [Best 7 Free Budget Software Programs](https://mydebtepiphany.com/best-7-free-budget-software-programs/) - Understanding where your money goes each month is a great skill and can help you manage your finances better, which can help you pay off debt, invest, save, and more. But, if you're not a fan of pen and paper, or prefer a higher-tech option, there are many different free budget software programs that you
- [Credit Score Repair: 5 Steps to Rebuild Your Financial Health](https://mydebtepiphany.com/credit-score-repair-5-steps-to-rebuild-your-financial-health/) - A good credit score is more than just a number. It's a key that opens multiple financial opportunities. Whether you're applying for a mortgage, seeking a loan for a dream car, or hoping to secure lower interest rates on credit products, a good credit score can make all the difference. Unfortunately, a low credit score
- [What is a Reverse Budget?](https://mydebtepiphany.com/what-is-a-reverse-budget/) - Whether you're new here or not, you have probably learned quickly how much I like budgeting. Things weren't always this way. I used to be very anti-budget. Back in 2013 when I started thinking about improving my finances, I had a very low income. The idea of making a budget and actually using it seemed
- [How to Come Up With a Bare Bones Budget](https://mydebtepiphany.com/how-to-come-up-with-a-bare-bones-budget/) - Do you ever wonder how much it truly takes for you to live each month? Sure, you might have a rough budget in place, but do you truly know how much money you'd need just to cover your basic living expenses. It's one thing to budget, but a general budget includes basic monthly expenses along
- [4 Common Budgeting Mistakes You Need to Stop Making](https://mydebtepiphany.com/common-budgeting-mistakes/) - Committing to a budget is one of the best things I could have done to improve my finances and get out of debt. I know most people cringe when they hear the 'B' word, but that's because they're probably doing it all wrong and making common budgeting mistakes. A budget is basically a spending plan
- [How to Eat Well With a $700 Monthly Grocery Budget](https://mydebtepiphany.com/eat-well-300-month/) - Let's talk about groceries and budgeting. I originally published this blog post in 2015 and explained how my family of three eats well on a $300/month grocery budget. But oh how times have changed! Since then, grocery prices have increased and now we have a $700 monthly grocery budget. By August 2022, the Bureau of Labor
- [Why You Shouldn't Put Off Traveling](https://mydebtepiphany.com/pay-down-debt-or-travel/) - Should I pay off debt or travel first? There's a narrative we've all heard at some point on financial blogs like this one: Pay down what you owe, then you can enjoy experiences like travel and dining out. On the surface, the stance seems clear and undebatable. But life is not black and white. In
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- [My Honest Stitch Fix Review](https://mydebtepiphany.com/my-honest-stitch-fix-review/) - I'm not entirely against subscriptions, but I don't really get them often. One subscription that I did end up getting is Stitch Fix. I've always been very intrigued about the concept of Stitch Fix, and before I get into this Stitch Fix review, I wanted to give my backstory. Why I Joined Stitch Fix When
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- [What Is An Income Driven Repayment Plan?](https://mydebtepiphany.com/what-is-an-income-driven-repayment-plan/) - If you're a federal student loan borrower, you may be wondering, "What is an income driven repayment plan?". There are many income-based repayment options offered by the government if you're struggling to make ends meet and need help paying your student loans. These income-driven plan options can offer you options to pay as little as
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- [Why Do You Need a Full Emergency Fund?](https://mydebtepiphany.com/emergency-fund/) - Over the years, I heard a lot of people recommend that having a small emergency fund of $1,000 or so is enough. Personally, I've never felt comfortable with a baby emergency fund. While saving something is better than nothing, $1,000 is not enough for most people when a true emergency hits. Recently, I had to
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- [How to Get Started With the Debt Snowball Method](https://mydebtepiphany.com/get-started-debt-snowball-method/) - Today I have a guest post from Jen. Jen Hayes is an HR professional, frugal lifestyle blogger, and freelance writer. You may have seen here on the blog before when I interviewed her for my Debt Mindset Series. She writes about her journey toward shedding 50 pounds and $117,000 of student loan debt on her
- [How I Found Money to Start Investing](https://mydebtepiphany.com/how-i-found-money-to-start-investing/) - Thank you DiversyFund for sponsoring this post. It’s never too early to learn about investing for your future! Ever since I got serious about financial wellness, I've been interested in investing and saving for the future. However, like most Americans, I felt like I could not afford to start investing. According to a 2019 Go
- [How to Save Your First $1,000 This Year](https://mydebtepiphany.com/save-first-1000-year/) - If you've already set financial goals for the year and saving was one of them, you'll know that it can be difficult to reach that first $1,000 savings account balance. Life is unexpected and the last thing you want to do is be unprepared in the event that a financial emergency arises. Saving your first
- [6 Ways to Make More Time For Yourself](https://mydebtepiphany.com/4-ways-to-make-more-time-for-yourself/) - We're all busy and this could put prioritizing rest and self-care pretty low on the priority list. Most of us work 8 hours per day, spend up to an hour commuting to work, and are also responsible for other tasks such as cleaning, making dinner, picking up kids, etc. Then, factor in the fact that
- [Top Reasons For Debt and What You Can Do About It](https://mydebtepiphany.com/top-reasons-for-debt-and-what-you-can-do-about-it/) - Many individuals and families have consumer debt, most commonly related to vehicles, homes, education, and medical expenses. While repayments can be manageable for most people, some struggle to meet their financial obligations due to life changes or spiraling debt levels they never anticipated. Debt can be crippling, and many people can feel like there’s no
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- [5 Ways to Save Money when You're Broke](https://mydebtepiphany.com/5-ways-save-money-youre-broke/) - Saving money is essential in order for you to turn your financial situation around because it builds a safety net to help you cover random expenses whenever life throws them your way. Life can be very unexpected, so having a decent amount of savings can help you feel more financially secure, stop living paycheck to
- [Staying Motivated During Your Debt Payoff Journey](https://mydebtepiphany.com/staying-motivated-your-debt-payoff-journey/) - Paying down debt and trying to get your financial house in order can be a challenging and tedious task, especially when you’re just starting out. Hearing all the success stories of others who just paid off large amounts of debt can be pretty inspiring, but it can also hit a sore spot if you’re still
- [10 Easy Financial Goals You Can Meet This Month](https://mydebtepiphany.com/10-easy-financial-goals/) - While you can start working on your goals whenever you want, the new year often seems like a great opportunity for new beginnings. It's important not to get overwhelmed or discouraged by the goals you set and realize that every step you take counts - even when you reach smaller goals. There are things that
- [How to Use the Living Well Planner to Meet Your Goals](https://mydebtepiphany.com/living-well-planner-review/) - This post originally appeared on the blog in December 2018. As an update, I spent about 2 years trying other planners and could not find one that matched the efficiency and style of the Living Well Planner. In 2022, I went back to purchasing this planner and plan to use it for the foreseeable future.
- [How to Buy a Home As a Foreigner](https://mydebtepiphany.com/how-to-buy-a-home-as-a-foreigner/) - Purchasing a home is a significant milestone for anyone, but it can be especially challenging for non-U.S. citizens. In addition to considerations such as financing and finding the right property, non-citizens must also navigate the legal complexities of buying real estate in the United States. Here are a few things to keep in mind if
- [The 6 Main Types of Car Insurance](https://mydebtepiphany.com/the-6-main-types-of-car-insurance/) - Like any routine expenditure, many people tend to faithfully pay their car insurance bills every month. However, they might not fully understand the ins and outs of their policy and if they're paying more than they should. This is completely understandable; after all, most of us work with our insurance agents to put together the
- [What to Do If You Have Been Sued by a Credit Card Company](https://mydebtepiphany.com/what-to-do-if-you-have-been-sued-by-a-credit-card-company/) - According to a survey by GOBankingRates, about 14 million people in the United States owe credit card debt worth $10,000 or more. In another report by CNBC, the total credit card debt in the country hit an all-time high of $930 billion in 2019. While some have no trouble settling all their debt, others aren’t
- [6 Strategies to Improve Customer Loyalty](https://mydebtepiphany.com/6-strategies-to-improve-customer-loyalty/) - In today's competitive and aggressive market, improving customer loyalty is more important than ever. Loyalty can be based on various aspects, but loyal customers generally connect positive experiences with a brand, increasing the likelihood of making repeat purchases with that business. However, if you want someone to share how great your business is and buy
- [How to Manage When You're Unable to Side Hustle](https://mydebtepiphany.com/manage-when-youre-unable-to-side-hustle/) - Side hustling is hands down one of the best ways to make extra money if you have the free time and energy. While I will always support side hustles and share relevant and creative opportunities on this blog, it's also important to address the alternative for those who are unable to side hustle. According to
- [How to Pay Off High-Interest Debt](https://mydebtepiphany.com/how-to-pay-off-high-interest-debt/) - Dealing with high-interest debt? Debt really can be a hassle to deal with especially if you're actively trying to pay it off. Most experts recommend you pay off high-interest debt sooner rather than later. My personal debt repayment journey has involved all sorts of debt ranging from credit cards and personal loans to student loans
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- [Is Rent a Center a Rip Off?](https://mydebtepiphany.com/is-rent-a-center-a-rip-off/) - The cost of housing can take up a significant amount of anyone's budget. The general rule of thumb is to keep housing costs around 30%. But what about the cost of filling your home with the items you need? Aside from the cost of your housing payment, it's can also be expensive to fill your
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- [How to Get the Best Deal On a Title Loan](https://mydebtepiphany.com/how-to-get-the-best-deal-on-a-title-loan/) - Title loans are secured loans that allow you to use your car as collateral. Considering your vehicle guarantees the loan repayment, the provider can repossess it if you don't repay it on time. A title loan is short-term and has high-interest rates with fewer requirements. You can access a title loan provided you rightly own
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- [How To Negotiate Your Bills To Save Money](https://mydebtepiphany.com/how-to-negotiate-your-bills-to-save-money/) - Expenses and bills are a normal part of life but they can certainly surprise us each month when they are higher than normal or just constantly on the rise. Most people think that the only thing they can do is pay and hope for the best the following month or they try to negotiate but it
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- [What You Need to Know About Payday Loans](https://mydebtepiphany.com/what-you-need-to-know-about-payday-loans/) - \With the various available loan options, choosing the best lender financing during emergencies can be overwhelming. Read on for six things you need to know about payday loans to help you make an informed decision. A Payday Loan is Unsecured If you need urgent financing but do not want to use your house, vehicle, or
- [6 Tips To Help You Get Out Of Debt](https://mydebtepiphany.com/6-tips-to-help-you-get-out-of-debt/) - Are you struggling to get out of debt? If so, you're not alone. According to a report from the Federal Reserve, more than 40% of Americans have debt that is delinquent or in collections. But getting out of debt is possible if you take the time to develop a plan and stick to it. Here
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- [8 Financial Moves to Make in Your 20s](https://mydebtepiphany.com/8-financial-moves-to-make-in-your-20s/) - Your 20s will be some of the best years of your life. You'll meet lifelong friends, experience new things and places, and learn more about yourself in general. Being in your 20s is also the best time to focus on establishing a strong foundation with your finances. It's a great time to make financial mistakes,
- [Why Should You Invest In Alternative Assets with Hedonova](https://mydebtepiphany.com/why-should-you-invest-in-alternative-assets-with-hedonova/) - This post is sponsored by Hedonova. All thoughts and opinions are my own. Don’t put all your eggs in one basket. This one line not only explains diversification in investing but also emphasizes its importance. While some may prefer the traditional 401(k) for their investments, others might like to have a brokerage account or to
- [What To Look For In Purchasing Gold Bars](https://mydebtepiphany.com/what-to-look-for-in-purchasing-gold-bars/) - Since time immemorial, investing in gold has been a laudable pursuit for investors around the world. Gold is a popular choice in the precious metals commodity market for its ability to retain its value, its ability to ward off inflation, and its security during times of economic turmoil. It can also be acquired in so
- [10 House Projects You Can Do For $100 or Less](https://mydebtepiphany.com/house-projects-for-100-or-less/) - These past few months have been an interesting time in my life to say the least. I've had some amazing breakthroughs with my business and finances and I will have to share everything in detail in an update post very soon. Lately, I've just been trying to stay afloat and work toward many of my
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- [When You Buy a Commercial Property in California, Do You Really Know What You Are Buying?](https://mydebtepiphany.com/when-you-buy-a-commercial-property-in-california/) - If you are already a business owner then you may have already purchased a commercial property but, how much do you know about it? And, no, responding with the number of doors it has and the fact that it has windows and a roof won’t constitute ‘knowing about your commercial property’ Granted you don’t want
- [15 Side Income Ideas You Can Start (With No Special Skills)](https://mydebtepiphany.com/15-side-income-ideas-you-can-start-with-no-special-skills/) - Side income sounds like a great idea when you first think about it, so why doesn’t everyone have a side hustle? For most people, the answer is simply that they don’t know how to get started. They worry that they will need a significant investment in time or money to learn a special skill, or
- [6 Big Reasons Why Applying for Online Loans is the Best Option for Quick Cash](https://mydebtepiphany.com/6-big-reasons-why-applying-for-online-loans-is-the-best-option-for-a-quick-cash/) - An online loan is one of the best fund sources that anyone can use for various purposes. With the different options available out there, many people have a lot to choose from based on their current financial needs. So if you’re also looking for a way to get quick cash for any reason, you can
- [Buying a Home in a Brutal Real Estate Market](https://mydebtepiphany.com/buying-a-home-in-a-brutal-real-estate-market/) - Last year (and during my 2018 goals post this year), I shared how my husband and I were going to buy a home before our next lease was up. Our lease is up in June so we got the ball rolling and got pre-approved a few weeks ago! It was exciting especially since I was
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- [Is Using the Best Crypto Bots a Good Idea for Crypto Trader](https://mydebtepiphany.com/is-using-the-best-crypto-bots-a-good-idea-for-crypto-trader/) - Best crypto bots are an extraordinary piece of innovative software that helps traders of various financial instruments to make the most of their time, investment, and skills. As cryptocurrencies continue to gain popularity across the globe for their high (yet volatile) ROI, people are finding new ways to delve into crypto trading avoiding risks. Crypto
- [Why Traders Should Consider Investment Ideas from Experts](https://mydebtepiphany.com/why-traders-should-consider-investment-ideas-from-experts/) - Trading strategies do play a critical role in trading. As a beginner, there is an immense need to understand various techniques that help in profitability because a wrong move can mean loss of money. To help novices or those who are just starting, experts offer investment ideas, trading tips, guides, recommendations, and other information that
- [How Can I Prevent Future Debt?](https://mydebtepiphany.com/how-can-i-prevent-future-debt/) - If you have managed to clear off any previous debts, you might feel incredibly proud of yourself, and rightly so. It can be quite difficult to get rid of debts, especially if you had several, or quite large amounts to pay off. However, just because you now don’t need to make repayments, that doesn’t mean
- [5 Major Characteristics to Consider While Choosing Between FX and Crypto Market](https://mydebtepiphany.com/5-major-characteristics-to-consider-while-choosing-between-fx-and-crypto-market/) - Cryptocurrencies have gained significant popularity, and numerous traders are debating whether they should put more emphasis on the cryptocurrency industry instead of FX or attempt to combine the two. It's not solely about profits when it refers to the cryptocurrency vs. Forex discussion; it's about the level of volatility and liquidity of the market as
- [Tips to Avoid Forex Trading Scams](https://mydebtepiphany.com/tips-to-avoid-forex-trading-scams/) - With a daily average trading volume of more than 6 trillion US dollars, the Forex (Foreign Exchange) market is huge. Scammers are attracted to large sums of money. By employing "secret algorithms" or clever bots to perform trading for you, the majority of Forex trading scams guarantee unreal and speedy returns. Ensure that the forex
- [The Do’s and Don’ts of Starting Your Own Retail Brand](https://mydebtepiphany.com/the-dos-and-donts-of-starting-your-own-retail-brand/) - Retail is one of the powerhouse industries in our economy. It encompasses a seemingly endless list of companies and sub-industries from supermarkets and department stores to e-commerce websites. In most cases, retailers buy their goods from wholesalers and stock the goods in their own location at a new price. In other cases, independent retailers will
- [Why are Investing Tutorials Essential for all Online Forex Investors?](https://mydebtepiphany.com/why-are-investing-tutorials-essential-for-all-online-forex-investors/) - In the case of investments, people do not always get a second chance or a do-over opportunity to fix any mistake they might have committed in the early stages. Choosing where and how much money to invest at a certain time comes with several risks. Speculation is not useful to those who are new to
- [What to Do With the Money You Earn From a Side Hustle](https://mydebtepiphany.com/what-to-do-with-the-money-you-earn-from-a-side-hustle/) - Having a side hustle is an increasingly common choice for many people today who want to earn more money on top of their current monthly income. There are many options to choose from when it comes to what you do on the side of your full-time job, and it can seriously boost your income. Whether
- [What you need to know about RRSP withdrawal penalties](https://mydebtepiphany.com/what-you-need-to-know-about-rrsp-withdrawal-penalties/) - Registered Retirement Savings Plans (RRSPs) are reliable vehicles where you save up for your retirement. However, there are instances when taking out your savings from this fund becomes unavoidable. Now, as effective as an RRSP is, making withdrawals from these highly tax-benefitted plans might leave a significant impact on the tax bills. In fact, you
- [Smart Back to School Shopping Strategies to Help You Stretch Your Dollar](https://mydebtepiphany.com/back-to-school-shopping-tips-from-a-former-student-and-newer-mom/) - It's that time of year again...back to school budgeting season. I know that families with kids can very well drop hundreds of dollars on sending their children back to school with the latest gear. That’s just not me. My budget is always pretty moderate since I know there are tons of other expenses that I'll
- [5 Reasons You Should Consider Using Apps to Make Money](https://mydebtepiphany.com/5-reasons-you-should-consider-using-apps-to-make-money/) - A quick search on the internet can reveal thousands of potential ways to make money, including paper routes, full-time jobs, asset sales, and freelancing. However, many of these money-makers require quite a lot of effort. You may be surprised to learn there can be an easier way through using apps. Many apps can provide you
- [How Expert Advisor Developers Help to Master Automated Trading?](https://mydebtepiphany.com/how-expert-advisor-developers-help-to-master-automated-trading/) - Forex markets offer a plethora of profitable opportunities to people who can grasp the core idea behind trading currency pairs using the right tools and strategies. Those who want to master forex trading need expert help in the form of Expert Advisors or EAs to experience automated trading. There are numerous EAs available in the
- [How to Modernize the Envelope Budget System and Pay Down Debt](https://mydebtepiphany.com/how-to-modernize-the-envelope-budget-system-and-pay-down-debt/) - With fewer people using cash today, it’s time to upgrade the envelope budget to suit your modern spending habits. Traditionally, the envelope method involves stuffing paper envelopes with the cash you need to make ends meet every month. Each envelope gets an expense and a spending limit, like this: Groceries — $350 Toiletries — $45
- [Becoming a Frugal Pet Owner](https://mydebtepiphany.com/take-care-of-your-pet-on-a-budget/) - Having a pet can be a very rewarding experience but it can also be expensive. A few weeks ago I adopted a cute cat named Emma. She has adjusted well to her new surroundings and we already love her so much. I just need to figure out how to mesh my frugality with being a
- [Top 5 Essential Forex Software for Traders](https://mydebtepiphany.com/top-5-essential-forex-software-for-traders/) - With FX trading being one of the most talked-about trading markets at the moment, traders searching for ways to access the market from the comfort f their homes. Forex trading software is now available with over 15 million users to take part in online trading, and this army is rapidly growing. Many people new to
- [How to Make Extra Money: 6 Easy Ways](https://mydebtepiphany.com/how-to-make-extra-money-6-easy-ways/) - Are you looking to make some extra cash? While budgeting is a great way to create cash from what you already have, it will never generate anything additional coming in from the outside. So, whether it is for a vacation, a new car, some home renovations, or a shopping trip with your friends, the following
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- [How to Make Money With Focus Groups](https://mydebtepiphany.com/how-to-make-money-with-focus-groups/) - I love finding ways to make extra money. To me, it allows me to have more control over my finances and tell the universe that I don't have to settle for my income. If I want to make more money, I can and there are plenty of opportunities out there. Last fall, I came across
- [Mid-Year Financial Goal Check-in](https://mydebtepiphany.com/mid-year-financial-goal-check-in/) - How often do you check in on your financial goals? I like to check in once a month at least, but I choose to do a more in-depth review about halfway through the year. This is so helpful when it comes to: Holding myself accountable Recognizing any necessary changes I need to my plan Narrowing
- [4 Reasons Why Personal Computers Are Better For Gaming Than Consoles](https://mydebtepiphany.com/4-reasons-why-personal-computers-are-better-for-gaming-than-consoles/) - If you were wondering whether to invest in a gaming PC or the latest console, this article has the answer for you. There are plenty of reasons why a gaming desktop or laptop is a far sounder solution than purchasing Microsoft or Sony’s latest plastic contraption. Everything from gameplay experience to pricing is far better
- [Guide for Tracking Your Monthly Expenses](https://mydebtepiphany.com/guide-for-tracking-your-monthly-expenses/) - Tracking your expenses might be the key element in saving money. If you don’t know how much money you’ve spent this month, you won’t know if you’ve overspent. Believe it or not, even the smallest expenses can cause you to exceed your budget. There are some effective options available to track your money. Maybe one
- [Tello Mobile Review](https://mydebtepiphany.com/tello-mobile-review/) - It can’t be denied: major cell phone service providers make their presence really well known. Whether you see an ad on TV or online, we all know the names of the major players in the mobile industry and they always seem to have something on hand for us to check out. The problem is, more
- [What Are Sinking Funds and How to Use Them](https://mydebtepiphany.com/what-is-a-sinking-fund/) - A kitchen renovation. A new car. A trip of a lifetime. What do these things have in common? They are all commonly listed goals that are considered something to save for. When it comes to the larger things in life, whether it be an event (i.e. Christmas), an item (a new furnace) or an experience
- [How I'm Rebuilding ALL My Sinking Funds](https://mydebtepiphany.com/how-im-rebuilding-all-my-sinking-funds/) - So, last year something crazy happened and I drained most of my sinking funds. Last fall it was just one thing after another. My husband's brakes in his car went out then my brakes went out. We have to do some maintenance work on the house, I took a trip in November which used up
- [You Can Get Out of Debt No Matter Your Age](https://mydebtepiphany.com/you-can-get-out-of-debt-no-matter-your-age/) - Having debts can have serious consequences on your financial stability. Therefore, it is good to get your debts under control to avoid straining your finances. You can do so by implementing strategies that will see you settle your debts on time and maintain a healthy financial situation. No matter your age, you can easily get
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- [8 Ways You Can Increase Your Brand Awareness](https://mydebtepiphany.com/8-ways-you-can-increase-your-brand-awareness/) - If you have a product or service to sell, but no one knows that you exist, you have to invest in brand-building before you start generating revenue. This holds true for both solopreneurs and businesses (both B2B and B2C). A part of building your brand is to increase brand awareness. In layman’s terms, ask yourself
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- [2017 Quarter 1 Income Report](https://mydebtepiphany.com/2017-quarter-1-income-report/) - Another day another dollar. Another quarter, another chance for me dump a ton of updates on you all and share more details about my business income streams in this quarterly income report. I've been freelancing full-time for about 7 months now and I really can't believe it. Sometimes it's challenging and it's a lot more
- [Non-Traditional Housing Options to Consider](https://mydebtepiphany.com/non-traditional-housing-alternatives-to-consider/) - As housing prices rise throughout the U.S., more and more Americans who desire to become homeowners are burdened with large and lengthy mortgages. Earlier this year, CBS News indicated median housing prices have risen by at least 17.3 percent from 2012-2014. Despite the price of homes increasing, the U.S. median weekly wage has only increased
- [Product Demonstrator Jobs: How to Get One and Earn $20+ Per Hour](https://mydebtepiphany.com/side-hustles-explored-earn-money-as-a-product-demonstrator/) - Have you ever walked into the grocery store and noticed there were people standing around giving out free samples? Whether or not you walk over and grab a free sample of pizza, cheese, coffee or whatever the item of the day is, you can’t help but wonder how and why these people are just standing
- [Don't Let Your Financial Woes Turn Into Suicidal Thoughts](https://mydebtepiphany.com/dont-commit-suicide-over-debt/) - This blog post is part of the World Suicide Prevention Day blog tour organized by my friend Melanie. It originally appeared on MDE last year, but I wanted to share this information again since unfortunately, quite a few people have come across this post while seeking relief from suicidal thoughts due to financial stress and
- [Five Must-Read Forex Books for Beginners](https://mydebtepiphany.com/five-must-read-forex-books-for-beginners/) - Knowledge of Forex is vast, and no one can ever know everything about Foreign Exchange. Even people who have traded for several decades find it hard to deal with at times. So for a beginner, it becomes even harder to grasp the ropes of this world. Therefore, they mostly rely on Forex books as their
- [Best 5 Money Challenges To Improve Your Finances](https://mydebtepiphany.com/best-5-money-challenges-to-improve-your-finances/) - We all strive to master our money in one way or another. Think about it, who doesn't want to have control over their finances? while getting a grip on your finances takes time and dedication, there is certainly no reason you can't have fun with the process. The money challenge phenomenon offers ample opportunity for
- [Home Tax Deductions](https://mydebtepiphany.com/home-tax-deductions/) - In making the most of your annual tax filing, it is important to know what you can and cannot list as deductions on your taxes. Like most Americans, I have a side hustle, a way to make money outside of the daily grind. Did you know you can claim tax deductions for your side business
- [Top Tips for Cost-Effective Online Gaming](https://mydebtepiphany.com/top-tips-for-cost-effective-online-gaming/) - There are a number of ways to keep involved with regard to online entertainment and gaming without spending too much money. This article provides three simple tips that will guide you in this process. Change of mindset Many people make the mistake of believing the myth that all online gaming or gambling is a terrible
- [A Collection of Frequently Used Forex Chart Patterns](https://mydebtepiphany.com/a-collection-of-frequently-used-forex-chart-patterns/) - There are many ways one can trade currencies in the foreign exchange market and picking some common methods can save a lot of effort and money. As a trader, you can develop a complete trading plan using regularly occurring patterns, simply by fine-tuning some common methods used. Some of the common forex chart patterns are
- [7 Expensive Habits That Are Hard To Break](https://mydebtepiphany.com/5-expensive-habits-that-are-hard-to-break/) - Everyone has those spending habits that they need to kick. Outside of basic costs like rent, utilities, food, and clothing, there is always at least one cost that you would do well cut out completely. Whether it’s eating out too much, buying shoes that are too expensive to justify sacrificing gas money for, or not
- [4 Books To Start Reading If You Want to Get Out Of Debt](https://mydebtepiphany.com/personal-finance-books-to-read/) - Getting out of debt requires determination, motivation, and a solid strategy. It takes time and persistence. I should know. Long-time readers of this blog know that my debt repayment journey has seemed steady but had many ups and downs over the past two years. I changed my debt repayment goals and focus several times and
- [Fixing Up Your Home Office on a Budget](https://mydebtepiphany.com/fixing-up-your-home-office-on-a-budget/) - This post is sponsored by Yaheetech. All thoughts and opinions are my own. I can't believe I've been working from home full time for almost 5 years now. In 2019, I started going to a local coworking space once a week. Then, when the pandemic hit, I was back to working at home all the
- [Using Identical Trading Strategy Repeatedly](https://mydebtepiphany.com/using-identical-trading-strategy-repeatedly/) - How many times have you used the same method over and over again? If we ask this question to any individual in the community, the answers will be similar. Traders tend to use one strategy for a long time once it makes a profit. It does not matter whether it was yesterday or a year
- [How to Stop Wasting Money: Tips that Really Work](https://mydebtepiphany.com/how-to-stop-wasting-money-tips-that-really-work/) - Everybody makes useless purchases from time to time, and not every time in vain. Researchers agree that you shouldn’t deny yourself small pleasures. But remember that marketers force us to buy more than we really need: ​​they draw attention to discounts, display the most important products as far from the entrance as possible so that
- [How to Pay For a Pool With Minimal Debt](https://mydebtepiphany.com/how-to-pay-for-a-pool-with-minimal-debt/) - Installing a pool can be an expensive task even though it can boost the value of your property. Several homeowners dream of having their pools after the summer days settling in. However, after scanning the prices involved, many aspiring pool owners do give up even before they commence. The high costs should not discourage you
- [4 Money Transfer Methods](https://mydebtepiphany.com/4-money-transfer-methods/) - Transferring money from one person – or account – to another is easier than ever thanks to the technological advances of the last decades. Traditional methods are quickly going the way of the dinosaur as faster, safer, and more affordable options become increasingly available. Read on to learn four ways to transfer money safely, securely,
- [Books I'm Reading to Improve My Money Mindset](https://mydebtepiphany.com/best-books-to-improve-your-money-mindset/) - Have you ever felt like you were doing your best to make progress with your finances but not really getting any sustainable results? Over the years, I wasted a ton of time stressing out about money, chasing after money, and inflicting painful budgeting tactics on myself and my family...that didn't even work. At the end
- [Digit App Review: Is It Worth It?](https://mydebtepiphany.com/digit-app-review-is-it-worth-it/) - Looking to save more money each month? Serious question. I know that if I ask the average person if they'd want to save more, their answer would be 'yes', but then I'd have to follow up by asking how much they want to save and which specific action steps are they taking to get there.
- [No Brainer Ways to Save Money on Your Monthly Bills](https://mydebtepiphany.com/no-brainer-ways-to-save-money-on-your-monthly-bills/) - Nobody really likes to spend more money than they have to, but somehow it still seems to be a habit for everyone. It's really not that difficult to save money if you are intent on it. With just a little creativity, you can keep more cash in your bank account. Here are some easy ways
- [How Home Equity Can Become a Bridge to Debt Freedom](https://mydebtepiphany.com/how-home-equity-can-become-a-bridge-to-debt-freedom/) - For millions of Canadians, debt freedom is a goal that can feel impossibly distant. In 2020, non-mortgage debt increased by 3% to $23,035, largely due to credit card spending and payday loans brought on by the coronavirus pandemic. Given the high-interest nature of these loans and the uncertain economic picture, it is likely that this
- [Have Debt But Want to Invest? Here's What You Need to Know](https://mydebtepiphany.com/have-debt-but-want-to-invest-heres-what-you-need-to-know/) - It's no secret that debt can be a pain. It can hold you back from living the life you want to live and put a major damper on your entire financial situation. Back in 2014, I embarked on an aggressive debt payoff journey. Paying off debt does get easier over time but you have to
- [7 Strategies for Eliminating Debt: A Guide for Singaporeans](https://mydebtepiphany.com/7-strategies-for-eliminating-debt-a-guide-for-singaporeans/) - Piling up debt is pretty much like getting into quicksand—you often don’t sense you are in danger until you are deep enough in it and are struggling to get out. Of course, having debt by itself is not wrong. There are numerous valid reasons to avail yourself of credit if it is available to you
- [Your Debt Isn't a Death Sentence: Top Myths You Should Stop Buying Into](https://mydebtepiphany.com/your-debt-isnt-a-death-sentence-5-myths-you-should-stop-buying-into/) - When it comes to debt, full-spectrum thinking often takes a backseat when it comes to this black-or-white matter. There’s good debt, and there is bad debt. If you don’t understand the ins and outs of secured, unsecured, and revolving debt or how it works, it is easy to get lost in the lies and myths
- [5 Hard Truths You'll Need to Accept Before Filing for Bankruptcy](https://mydebtepiphany.com/5-hard-truths-youll-need-to-accept-before-filing-for-bankruptcy/) - Filing for bankruptcy is a nerve-wracking process that can strike fear into the hearts of even the most unshakeable debtors. Wading into the unknown of your credit’s future, coping with concerns about losing property/possessions, and stomaching the anxiety of a soiled reputation once your bankruptcy becomes public are all valid reasons most debtors avoid the
- [It's HERE! - Freedom With Freelance Writing!](https://mydebtepiphany.com/its-here-freedom-with-freelance-writing/) - Hey Everyone! Over the past few weeks, I've been hinting at working on something BIG to help people earn money online with freelancing. So there's two things. 1.) I've been working on launching my new blog, ChonceMaddox.com which will take a different approach from this blog. Nothing is changing on MyDebtEpiphany, but ChonceMaddox.com will focus
- [Side Hustles Explored: How to Become a Freelance Writer](https://mydebtepiphany.com/side-hustles-explored-how-to-get-started-with-freelance-writing/) - Side hustles have enabled me to increase my debt payments and make my goal to become financially stable and independent more achievable. I definitely wouldn’t be where I am financially if I didn’t have a side hustle and just relied solely on the income from my full-time job when I was starting out with my
- [6 Insider Secrets for Eliminating Student Debt Post-Graduation](https://mydebtepiphany.com/6-insider-secrets-for-eliminating-student-debt-post-graduation/) - For those aspiring college students hoping to advance their careers and boost their earning potential tenfold, student debt is a necessary evil. By taking two steps back financially, college graduates can sprint ahead of their high-school-educated counterparts. Unfortunately, taking the gamble and funneling thousands of dollars into your education in hopes of receiving a job
- [3 Effortless Ways to Make Money Online Instantly](https://mydebtepiphany.com/3-effortless-ways-to-make-money-online-instantly/) - Whether you’re looking to boost your current income, or quit the office job for good, working online from the comfort of your own home remotely and on your own terms could be the change that you need to improve your lifestyle. For most people, however, knowing how you can work online and finding work online
- [Why Your Opinion on The Holes In My Clothes Doesn't Matter](https://mydebtepiphany.com/opinion-holes-clothes-doesnt-matter/) - The other day, I was talking with someone and they took shots at me by pointing out a small hole in the pants I was wearing. It was not revealing or anything and I was aware of it being there, but this person's comment offended me quite a bit initially because I knew they were
- [How to Make Money with a Blog or Niche Site](https://mydebtepiphany.com/make-money-niche-blog-site/) - I can't believe I've almost been blogging for 3 years. As a blogger, I definitely get the best of both worlds. I get to write about things I'm passionate about and monetize my site in a tasteful way. Right now, my blog earns a part-time income which is fine with me. I've been thinking about
- [5 Legitimate Ways to Make an Extra $1,000 Per Month](https://mydebtepiphany.com/5-legitimate-ways-to-make-an-extra-1000-per-month/) - With countless ways out there to make extra money, it can be hard to know which ways are actually worth pursuing to help you with your particular financial goal. Maybe you're tired of being in debt, having little money left over each month, or struggling to make ends meet from paycheck to paycheck. Maybe you're
- [Setting Financial Boundaries During the Holiday Season](https://mydebtepiphany.com/setting-financial-boundaries-during-the-holiday-season/) - This year, people are experiencing more financial uncertainty than they have in the past. Businesses need to have a booming quarter in order to stay afloat. Individuals need to manage money without falling into a pattern of debt. As you balance the tension of supporting businesses and taking care of your financial well being, it
- [What I'm Thankful For...](https://mydebtepiphany.com/what-im-thankful-for/) - Happy Thanksgiving! This year has been one for the books. I have a BAD habit of overworking myself and trying to control everything. I started the year out with a major panic attack that occurred around my birthday in January. It was horrible and I felt non-stop anxiety and worry from the moment I woke
- [Beginners’ Guide to Buying Organic Food on a Budget](https://mydebtepiphany.com/beginners-guide-to-buying-organic-food-on-a-budget/) - There has been a big push in recent years to make the switch to organic foods. There are so many benefits that come with it, and as more and more studies are being carried out, the evidence is becoming increasingly clear. It’s no secret that most of the food we find in our supermarkets is
- [4 Ways to Cover Your Costs If You are Sick or Injured](https://mydebtepiphany.com/4-ways-to-cover-your-costs-if-you-are-sick-or-injured/) - Getting sick or injured is never a great time for anyone, but it can be even more difficult if you have the added burden of financial responsibilities to consider. Losing your job or ability to work, whether for a temporary period or for the long term, can be a source of stress and worry to
- [Why and How to Create an Annual Budget](https://mydebtepiphany.com/why-and-how-to-create-an-annual-budget/) - Do you ever get budget fatigue? Maybe you understand the importance of budgeting and have your own spending plan, but sometimes it can seem a little tedious or uneventful to keep up with it. Trust me, you're not alone. Your budget is not meant to stay stagnant. It should change and adapt to your changing
- [Everything You Need to Know About Forex Trading Platforms](https://mydebtepiphany.com/everything-you-need-to-know-about-forex-trading-platforms/) - Contrary to what many newbies tend to believe, forex trading is a complex enterprise that requires you to have a vast knowledge about monies, business, and geopolitics. However, having this information does not necessarily mean that you are going to be able to build a lucrative business while sustaining profits through currency trading. If you
- [Top Work from Home Job Scams](https://mydebtepiphany.com/work-from-home-job-scams/) - Working from home seems like an ideal situation for most employees. The ability to avoid your morning commute, distractions from coworkers, and even working in your PJs sounds great. In 2017, it was estimated that 3.7 million Americans work from home at least part-time and the number continues to grow. Are you looking to make
- [Equity Financing or Debt - Which Option is the Best for Your Young Business?](https://mydebtepiphany.com/equity-financing-or-debt-which-option-is-the-best-for-your-young-business/) - Fledgling businesses are often run on low reserves and there are usually two options that are open to them when it comes to financing: either going into debt or selling some of their equity. This can be a tough decision for many. Some may be afraid to lose control, while others might be asking themselves
- [Hatch Review: Earn Rewards For Sharing Your Opinion](https://mydebtepiphany.com/hatch-app-review/) - This is a sponsored post and I received a promotional item as a thank you for participating. All thoughts and opinions are my own. I'm a very opinionated person. I love to share my thoughts and give tips and advice to other people when I know it can help them. In the past, I've tried things like doing focus groups or taking surveys. I recently found out an
- [5 Things You Might Forget to Replace](https://mydebtepiphany.com/5-things-you-might-forget-to-replace/) - People often forget to buy things. This could be because you have a busy schedule and you never think about the little things until it's too late. Or maybe you just try to get as much use out of the thing before you have to throw it away and buy a new version of it.
- [What Debt Should You Take Care of First?](https://mydebtepiphany.com/what-debt-should-you-take-care-of-first/) - You don’t have one debt to pay back. That would be simple. You have student loans, car loans, credit cards, lines of credit, a mortgage, unpaid utility bills, and more. It’s a lot to handle. If you want to get a better handle on your personal finances, you should read this and learn about what
- [5 Must-Do Tips for Aspiring Online Entrepreneurs](https://mydebtepiphany.com/5-must-do-tips-for-aspiring-online-entrepreneurs/) - There are many people who ditch their office jobs to start writing a book, start an e-commerce website, or even start a blogging business. While these are obvious options that look so easy, people do not understand what being successful in business takes. Many say it is good to dream and set big goals, but
- [Dental Loans For Poor Credit](https://mydebtepiphany.com/dental-loans-for-poor-credit/) - Trips to the dentist are never fun. You have to deal with metal prongs prodding around in your mouth, injections in your gums, and that foul mouthwash - and that’s not even the worst part. The scariest part of any trip to the dentist is the huge dental bill at the end. The average cost
- [Long-Term Price Action for Crude Petroleum is Set](https://mydebtepiphany.com/long-term-price-action-for-crude-petroleum-is-set/) - One of the many unique things about the international crude oil market is that traders use futures rather than other kinds of instruments. Unlike gold, stock shares, bonds, exchange-traded funds (ETFs), and dozens of other types of investments, the single most accurate way to measure the ups and downs in this unusual commodity niche is
- [How to Become a Virtual Assistant From Scratch (Interview With a Real VA)](https://mydebtepiphany.com/how-to-become-a-virtual-assistant-from-scratch/) - In case you didn’t know, it’s official: the gig/side hustle economy is here to stay. Although there are so many side hustle options to choose from, one that is well worth looking into is virtual assistant work. The need for virtual assistants or VAs is steadily growing, especially as the shift to online work increases
- [Easy Ways to Save Money on Entertainment During COVID-19](https://mydebtepiphany.com/easy-ways-to-save-money-on-entertainment-during-covid-19/) - The ongoing threat presented by the novel coronavirus has resulted in many of us spending a fair amount of time at home. While this is essential to curbing the spread of COVID-19, it also facilitates the need for copious at-home entertainment. People who now have a sizable abundance of free time on their hands are
- [Online Personal Loan Versus 0% APR: Which Is Best To Pay Off Credit Card Debt](https://mydebtepiphany.com/online-personal-loan-versus-0-apr-which-is-best-to-pay-off-credit-card-debt/) - It can be nerve-racking and stressful to have tremendous amounts of credit card debt. You might have sufficient earnings or salary every month to repay your utilities, mortgage, and other necessities, yet hardly enough money left to repay credit card debts. Well, you are not alone. According to Statista, in the first quarter of 2020,
- [Getting a Job During the Pandemic: What You Should Know](https://mydebtepiphany.com/getting-a-job-during-the-pandemic/) - It's a scary time for many workers across the U. S. right now. As some companies furlough and lay off employees while others move to remote work environments with more limited hours, you may be worried about your job status or perhaps you know someone who is. You may be wondering if you should start
- [How to Manage Finances, Mental Health and Stay Occupied at Home (49 Ideas + Resources)](https://mydebtepiphany.com/manage-your-finances-at-home/) - First and foremost, I want to say that I hope you and your loved ones are safe and doing the best you can under these current circumstances. The reality is that while things do suck, we are all doing the best we can to get by and adjust to the new normal. I decided to
- [What Is Disability Insurance and Do I Need It?](https://mydebtepiphany.com/what-is-disability-insurance/) - The world of insurance has so many types to choose from that most people find it overwhelming to know how they all work. Unfortunately disability insurance is high on that list of confusion and it also happens to be high on the necessity list, despite what many think. So what is disability insurance? How does disability
- [PolicyGenius Review: Affordable Term-Life Insurance](https://mydebtepiphany.com/policygenius-review-affordable-term-life-insurance/) - Insurance is often not fun to talk about - especially life insurance. Still, that doesn’t mean the topic should be avoided altogether. This is why I was very interested in writing this PolicyGenius review to help anyone who's been on the fence about getting insured. It’s hard to think about what would happen to your
- [5 Driving Mistakes That Are Killing Your Car Silently](https://mydebtepiphany.com/5-driving-mistakes-that-are-killing-your-car-silently/) - Maintaining your car in good shape not only requires regular servicing and care, but it also needs to be treated nicely when driven around in the city or on the highway. Despite your best intentions, you might be making these 5 driving mistakes that are killing your car silently and gradually. If you don’t want
- [Important Things to Consider When Investing In Bonds](https://mydebtepiphany.com/important-things-to-consider-when-investing-in-bonds/) - Debt financing is completely different from equity financing instruments. While playing the stock market is how the individual investor participates in major equity financing activities, buying bonds is one of the ways retail investors participate in the debt financing activities of corporations, states, or the government. With bond investing, you are technically lending your money
- [Income Report June + July 2016](https://mydebtepiphany.com/june-july-2016-income-report/) - Hey Everyone! I decided to share a double income report this time since I didn't share one for June. I've still been tracking my income, but I've gotten a little side tracked this summer and didn't make time to organize everything and produce a thoughtful and helpful post about my freelancing progress. If You Are
- [Order Business Checks From Reputable Sites and Avoid Bank Fraud](https://mydebtepiphany.com/order-business-checks-from-reputable-sites-and-avoid-bank-fraud/) - In the modern age on online payments, checks might sound a bit outdated to most people. But as a business owner, you know the value of paper checks in the 21st century. Most people do not know that 10-15 billion checks get cashed every year. The transactions done with those checks can reach up to
- [Forex Trader in the US? Here’s How to Find a Good Broker](https://mydebtepiphany.com/forex-trader-in-the-us-heres-how-to-find-a-good-broker/) - Whether you’re already an experienced investor or tech geek or you’re just a regular person who wants to multiply their income, Forex trading is probably on your radar. In the past years, this type of trading has taken off all over the world, especially in Europe, Asia, and the Middle East. Without posing high barriers
- [The Dos and Donts of Wise Investing](https://mydebtepiphany.com/the-dos-and-donts-of-wise-investing/) - Investing is a lifestyle – people have their own strategies and unique ways of looking at things. It’s like playing a game – you will have your own moves, and all of it is mostly culled through your own conditioning and experience. However, there are things that shouldn’t be forgotten – these can be regarded
- [Why Master Only One Forex Trading Strategy?](https://mydebtepiphany.com/why-master-only-one-forex-trading-strategy/) - In forex, there are thousands of ways a person can make money. As this is a virtual profession, people have the liberty to make the right choice depending on their style. They are given the advice not to switch onto techniques. It is helpful as it would assist to master one particular method over time.
- [4 Financial Tips Nobody Ever Told You](https://mydebtepiphany.com/4-financial-tips-nobody-ever-told-you/) - When you were growing up, your parents might have advised you to save some of your allowance in your piggy bank, and they may have had a college fund set aside for you. Other than that, your financial education probably came from a personal finance class in high school and then basically learning on the
- [5 Mutual Fund Investment Strategies to Follow in your 30s](https://mydebtepiphany.com/5-mutual-fund-investment-strategies-to-follow-in-your-30s/) - By the age of 30, the majority of you must be getting started to start a family and settle down in life. It is a phase of life where one starts to think about investments and savings. There are various plans that one can have for which they start investing, such as buying a house
- [How Bad Are Debt Settlement Companies?](https://mydebtepiphany.com/how-bad-are-debt-settlement-companies/) - I've received a few messages from readers asking about debt settlement companies and debt repair programs. One reader even shared how she got tricked by a debt settlement company that simply took her money and didn't help her get rid of any debt at all. So what's the deal? How bad are debt settlement companies?
- [Managing Your Loan Payments the Responsible Way](https://mydebtepiphany.com/managing-your-loan-payments-the-responsible-way/) - For most people, getting a loan is the easy part of borrowing. As long as you qualify, it’s a simple matter of filling out an application and waiting to receive your check. The hard part is paying it all back. It’s not always clear how your loan will affect your finances until you’re in the
- [How I'm Dealing With the Rising Cost of Food](https://mydebtepiphany.com/food-prices-rising/) - Food costs can be one of the trickiest expenses to manage. It's a fluctuating expense that can change no matter how well you budget for it. Over the past few years, I've been able to keep our family's monthly grocery spend to around $300 - $350. This doesn't include dining out. However, lately I feel
- [How to Get Out of Debt on Your Own Timeline](https://mydebtepiphany.com/how-to-get-out-of-debt-on-your-own-timeline/) - Are you ready to start the long climb out of debt? Becoming debt-free is one of the best decisions you can make in your life. It may be a struggle now, but you’re setting yourself up for lasting success. When you become debt-free, your money becomes free. You can spend, save, invest, donate. You can
- [What Can Online Installment Loans Be Used For](https://mydebtepiphany.com/what-can-online-installment-loans-be-used-for/) - What do you think of when you hear the word “loan”? Does it make you think of an amount of money that you’re going to be charged piles of fees and interest for? Maybe you’re one of the people in the world who has had a good experience with loans in the past, or maybe
- [This Has to Be Said...](https://mydebtepiphany.com/this-has-to-be-said/) - I don't even know where to start. So much has gone on over the past few days that I've become physically and emotionally exhausted. Still, this has to be said. As someone who runs a personal finance blog, you may wonder why I'm talking about this here. I planned for this week to be very
- [4 Common Misconceptions About Freelance Writers](https://mydebtepiphany.com/4-common-misconceptions-about-freelance-writers/) - I realize I’ve been freelance writing consistently for just about two years now. I started back in college and picked up odd jobs here and there on Craigslist. Then, after I started my blog at the end of 2014, I realized I wanted to get back into freelancing to earn some extra money and it
- [7 Common Life Insurance Mistakes You Need to Stop Making](https://mydebtepiphany.com/7-common-life-insurance-mistakes-you-need-to-stop-making/) - Let's talk about life insurance. I know it's not the sexiest topic and some people like to avoid it at all costs, but it's super important. There's also a ton of myths and misconceptions surrounding insurance and once those are debunked, I know people will feel more confident talking about insurance and asking questions. Quite
- [Tips to Create and Develop a Good Business Idea](https://mydebtepiphany.com/tips-to-create-and-develop-a-good-business-idea/) - A lot of effort goes into starting a business. You need to prepare a business plan, find employees, look for investors, and get loans. However, before that all, you need to come up with your business idea. This could be a service, product, or method that will have customers paying money for. Finding this great idea
- [4 Ways Technology Can Help You Avoid Debt](https://mydebtepiphany.com/4-ways-technology-can-help-you-avoid-debt/) - Even before the repercussions of the COVID-19 pandemic devastated the world of business and left so many companies and individuals in dire financial straits, debt was a problem ubiquitous in even the richest countries and societies. Whether it’s primarily driven by inadequate pay, irrational spending decisions, or issues finding adequate employment, it weighs heavily on
- [Is a Medicare Advantage PPO Plan Right for You?](https://mydebtepiphany.com/is-a-medicare-advantage-ppo-plan-right-for-you/) - Medicare Advantage PPO plans are a form of Medicare, but with additional feature enhancements. In this article, we’ll start by giving you a quick overview of what these plans look like. Then we’ll walk you through what you can expect of a Medicare Advantage PPO plan and give you some pointers to help you decide
- [What do You Need to Apply for a Personal Loan?](https://mydebtepiphany.com/what-do-you-need-to-apply-for-a-personal-loan/) - So, you’ve decided to apply for a personal loan, but you have no idea what you need to do to get the process started? Don’t worry, whether it's for home renovations, a new car, or to pay for a luxury holiday, most loan applications are relatively straight forward. Throughout this post I will briefly detail
- [How This Pinterest VA Earns $1,200/month](https://mydebtepiphany.com/become-pinterest-va/) - So the secret is out, you can make good money by searching and pinning on Pinterest feeds for other people. In fact, there's an entire digital course dedicated to helping you learn how to do this. Become a Pinterest VA Today! was created by Kristin Larsen and Gina Horkey who are two of the most
- [Avoiding Anxiety for Entrepreneurs](https://mydebtepiphany.com/avoiding-anxiety-for-entrepreneurs/) - Starting and running your own business is a serious undertaking. It is important to start it with good habits from the very beginning in order to put in place a good structure for how the work flows and how everything is managed. So many things can happen within any business, and through the years a
- [Taking Control of Your Finances](https://mydebtepiphany.com/taking-control-of-your-finances/) - Let’s face it – the money you earn can be a big factor in giving you confidence as you go about your daily life. If you have enough cash to spare, you can spend on a lot of things that you don’t necessarily need but could make you happy – things that are artistic or
- [Is 5.5 Interest Rate Great for Mortgage](https://mydebtepiphany.com/is-5-5-interest-rate-great-for-mortgage/) - We all dream of being homeowners, a goal we want to be realized sooner than later. But what does it take? Sacrifice, hard work, and determination! Yes, the three qualities can only translate into a home after being converted into money first. How much are we talking about? How much does a house in Singapore
- [3 Tips for Using Your Line of Credit Wisely](https://mydebtepiphany.com/3-tips-for-using-your-line-of-credit-wisely/) - Let’s face it, as much as you’re told you have to banish debt from your life — right now — sometimes you need it. Borrowing money is one of the only ways most of us get to buy a home or go to school. Or, for the 27 percent of Americans who have zero savings,
- [How Do Online Payday Loans Work](https://mydebtepiphany.com/how-do-online-payday-loans-work/) - The online marketplace for loans is progressing at a slow speed. The internet gives us a wide variety of options to choose the best deal. If you cannot access traditional ways of receiving a loan,consider the online payday loans. A payday loan is a short-term loan that needs to be paid from your next paycheck.
- [8 Helpful Ways You Can Do With Your Loan](https://mydebtepiphany.com/8-helpful-ways-you-can-do-with-your-loan/) - Most loans are taken for specific uses. In fact, most lenders have a requirement for you to state the purpose of the loan. And, some loans such as mortgages or student loans are exclusive for housing and education, respectively. However, some credits do attract more money than you actually need.Hence the purpose of this article-to
- [7 Reasons Why You Should Avoid Financing a Car Like the Plague](https://mydebtepiphany.com/7-reasons-avoid-financing-car-like-plague/) - The epic debate of whether it's best to finance a vehicle or pay for it in cash continues on year after year. With tax season among us, lots of people who will receive a refund often contemplate getting a new car. I know I did these past few years. After financing my current car last
- [FREE Masterclass: Learn How to Make Money Online](https://mydebtepiphany.com/free-masterclass-learn-how-to-make-money-online/) - Hey everyone, I hope you're all doing alright given the current circumstances. With all the stuff that's been going on with the coronavirus being declared a pandemic, sometimes I feel like I'm living in a dream. A LOT is going on right now and our lives and finances are changing in so many ways. Right
- [Importance of risk management in the Forex market](https://mydebtepiphany.com/importance-of-risk-management-in-the-forex-market/) - You need to know that without maintaining proper risk management you won’t be able to make money. The risk management holds a great position in your trading performance. So, every trader should have a clear idea about it. In fact, this is the most effective way to protect your trading capital. The smart traders in
- [My Book is Finally Here: Mindset Over Money](https://mydebtepiphany.com/my-book-is-finally-here-mindset-over-money/) - Hey friends! I've been working on something very exciting for the past few months. It's an ebook I've been writing called Mindset Over Money. The book has been available on Amazon for pre-orders for the past 2 weeks but it's finally officially available today. Yay! So why write this ebook? I love sharing money tips
- [Debt Mindset Series: No Student Loans = More Freedom](https://mydebtepiphany.com/debt-mindset-series-no-student-loans-freedom/) - Updated in 3/2020 Hey everyone and welcome to the Debt Mindset Series and it's all about money mindset which is the key to jump start debt payoff and make progress. I'm excited to share stories from real people this year about their journey with paying off debt and the mindset shifts they had to make
- [3 Ways to Find a Source of Extra Income & Quit Your Full-Time Job](https://mydebtepiphany.com/3-ways-to-find-a-source-of-extra-income-quit-your-full-time-job/) - For many, student life is associated with a constant lack of money. Young people are usually energetic enough to attend various workshops, seminars, and meetings that require some funding. Needless to say, expenditures on gadgets, wardrobe, music events and cinema are skyrocketing as well. Therefore, students often find themselves wondering where to find money to
- [How to Start Making Progress When You're Stuck in Debt](https://mydebtepiphany.com/how-to-start-making-progress-when-youre-stuck-in-debt/) - Thank you National Debt Relief for sponsoring this post! All thoughts and opinions are my own. Overwhelmed by your debt? Behind on bills or only making the minimum payments on your credit cards and loans? Don't let that feeling carry on throughout the year. Being in debt can make you feel uneasy and cost you
- [What a $150 Grocery Budget Looks Like](https://mydebtepiphany.com/what-a-150-bi-monthly-grocery-budget-looks-like/) - Do you budget your grocery spending each month? Is your grocery budget one of the most difficult categories to maintain? I’d be lying if I said we didn’t run into some issues with sticking to our grocery budget for my family of three. Food is an essential expense that no one wants to skimp on.
- [Creating a Student Loan Debt Plan of Attack](https://mydebtepiphany.com/creating-a-student-loan-debt-plan-of-attack/) - It's been a little while since I shared an update on my student loan situation. Luckily, I've still been paying making progress and paying off my loans aggressively even though I'm freelancing full time. Long time readers know I started this blog to document my debt repayment journey and be accountable. I really want to
- [Financial Anxiety and How to Gradually Overcome It](https://mydebtepiphany.com/financial-anxiety-and-how-to-overcome-it/) - Today we have a guest post from Norma Spencer over at Coupon Chief. One of the leading causes of stress in the United States is worry related to finances. Money literally plays a huge role in many aspects of your life such as your health and even relationships. Anxiety and stress are closely related to
- [How to Verify Your Check Before Depositing](https://mydebtepiphany.com/how-to-verify-your-check-before-depositing/) - Checks are, in most cases, used to make large payments. However, you cannot tell whether a check is bad just by looking at it. The check will bounce if the check writer does not have enough funds available when you present the check to the bank. In case your check bounces, your check will be
- [How Do I Qualify for a Private Student Loan](https://mydebtepiphany.com/how-do-i-qualify-for-a-private-student-loan/) - Education is taken as the key to the development and prosperity of any country. This assumption is the reason why governments all around the world, including Singapore, have put substantial investment in the sector. Besides, the private and corporate worlds have made significant strides to secure an enabling environment for citizens to acquire quality and
- [Self-Care: My New Not So Guilty Pleasure to Spend Money On](https://mydebtepiphany.com/budget-for-self-care/) - This post is sponsored by The Huntington National Bank and The Motherhood. All opinions are my own. I have always been big on self-care for as long as I can remember. Back in college, I never pulled an all-nighter because I was so adamant about always getting 8 hours of sleep - so I made
- [Overdraft: Can It Affect Your Credit Score](https://mydebtepiphany.com/overdraft-can-it-affect-your-credit-score/) - Overdrafts allow you to spend more money, up until a limit predetermined with your bank, than what you have in your account. Here, you just have to pay interest on the money you use. Once you overdraw without setting a limit bank first or go over the limit, you might have to pay a higher
- [5 Important Things to Keep in Mind for Holiday Gift Shopping](https://mydebtepiphany.com/5-important-things-to-keep-in-mind-for-holiday-gift-shopping/) - The Christmas season is here once again, and you are probably already in the midst of finding the right gifts for friends, loved ones, and colleagues. Receiving and giving gifts are two of the most wonderful parts of the most wonderful time of the year, but it can be stressful and difficult to find and
- [How To Boost Your Credit Score Fast](https://mydebtepiphany.com/how-to-boost-your-credit-score-fast/) - Your credit score can influence much of your future financial decisions like buying a house or a car. Without a good credit score, you can find it difficult to get the funding that you need to make a life for yourself. Before you end up being stuck without any buying options, it could be time
- [4 Tips For Starting a Business Even if You're in Debt](https://mydebtepiphany.com/start-business-with-debt/) - Starting a business is a tough feat for just about anyone, even those washed in cash. For those that follow sports, you often hear stories of professional athletes worth millions of dollars can lose it all by making a few bad business decisions. Or, their business that seemed so promising at the start shuts their
- [My Debt Epiphany is Turning 5! (Holiday Giveaway Details)](https://mydebtepiphany.com/5-year-holiday-giveaway/) - Hey friends! It's an exciting time of year with Christmas right around the corner but also because this blog is turning 5 years old. It's kind of crazy that 5 years ago at this time I was playing around with the idea of starting a blog, getting my hosting set up, and drafting blog posts.
- [What Is Peer to Peer Lending](https://mydebtepiphany.com/what-is-peer-to-peer-lending/) - Commonly referred to as P2P, peer to peer lending is an arrangement that enables people to obtain loans from others without going to a financial institution. Many sites connect borrowers with peer-peer lending. It is also referred to as social lending, and in the last decade, it has become one of the main ways of
- [Emergency Funds: How Much Should You Keep In Reserve?](https://mydebtepiphany.com/emergency-funds-how-much-should-you-keep-in-reserve/) - The question is never about whether you should or shouldn’t have an emergency fund, but rather, how much of your resources should you allocate to it. Life, for the most part, is unpredictable. You never know when you or someone you’re responsible for might need medical attention or legal assistance. It’s because of life’s unpredictability
- [4 Hacks for Cutting the Costs of Life Insurance](https://mydebtepiphany.com/4-hacks-for-cutting-the-costs-of-life-insurance/) - If shopping frequently for life insurance was the norm, then we’d probably all become experts in all the tricks that would get the best value for money. But life insurance is one of those things that most of us only buy rarely - perhaps just once in our lives, or twice at a push. And
- [Frugal Ways to Maintain Your Car](https://mydebtepiphany.com/frugal-ways-to-maintain-your-car/) - Cars are precious possessions. They are an important part of today's life and the car’s maintenance must be done properly to keep them in good shape for use. Some cars are bought from the showrooms whereas some are bought from second-hand dealers. This creates problems because, in this fast life, the owner usually can't find
- [Is Freelancing Sustainable? Interview with a Freelance Writer for 15 Years](https://mydebtepiphany.com/interview-with-freelance-writer/) - Is freelancing really sustainable long-term? This is a question I get often about freelance writing. I understand that there are several different ways to work from home and earn extra money but not all of them are sustainable long term. Freelance writing on the other hand, is something I've been doing for 4 years. Writing
- [How to Keep Medical Bills From Going to Collections and Save Your Credit](https://mydebtepiphany.com/keep-medical-bills-from-going-to-collections/) - This post is from our regular contributor, Leslye. One of the most debated topics is healthcare. The costs of medical care is steadily rising, making it difficult for many consumers to keep up. It is estimated that about 1 in 5 adults have past due medical bills, and 1 in 4 among millennials and Gen-Xers.
- [October Online Income Report: How to Earn Money Online](https://mydebtepiphany.com/october-online-income-report/) - It’s time for another income report! Each month I share the income I earned from side hustling online and break it down in detail. Why do I post the extra income I earn aside from my full-time job publicly online? Accountability is one reason. I’ve made a lot of goals in the past. I was
- [75 Free Things To Do This Weekend](https://mydebtepiphany.com/75-free-activities-to-do-during-the-weekend/) - If you're anything like me, you might tend to spend a majority of your money over the weekend. Why? Because most people like to have fun, relax, catch up with loved ones during the weekend etc. However, one of the best ways to get your finances back on track is to commit to having a
- [Utilize the Highs and Lows of the Price Charts](https://mydebtepiphany.com/utilize-the-highs-and-lows-of-the-price-charts/) - When you can manage proper signals for the trades, it can provide impressive profit potential. Looking at the chart, the rookie traders may find it hard to manage a proper signal. Some even do not know which timeframe of the charts is to use for proper market analysis. The idea of it is far beyond
- [Additional Ways To Make Money In The Financial Markets](https://mydebtepiphany.com/additional-ways-to-make-money-in-the-financial-markets/) - The financial trading markets in the hub where you buy and sell stocks or get into contracts to earn a profit. This is the common activity for many traders who put their investments in this diverse market. The buying and selling incorporate the whole trading concept, where as a trader you speculate on the price
- [Foods That Help You Keep a Low Grocery Budget](https://mydebtepiphany.com/foods-help-keep-low-grocery-budget/) - Trying to lower your grocery budget and stick to it each month can be difficult. But from my experience, I’ve found that when you purchase the right foods at the store, this process becomes much easier. When I say the right foods I’m talking about tasty, healthy and affordable food. Yes, it does exist :)
- [4 Delicious and Cheap Desserts to Make This Fall](https://mydebtepiphany.com/4-delicious-and-cheap-desserts-to-make-this-fall/) - I love fall for so many reasons. Being able to bake delicious seasonal warm desserts is one of them. I think I've said it before, but I'm a major foodie. I love trying new food and I love baking sweets. They taste soooo much better than most store-bought goods and they are way cheaper than
- [The Unglamorous Side of the Personal Finance Journey](https://mydebtepiphany.com/the-unglamorous-side-of-the-personal-finance-journey/) - I love hearing about other people’s financial success. Whether someone just paid off all their debt, didn't use a credit card for vacation, or started a new business adventure, I’m always fascinated and excited to hear their story. While the end result seems so glamorous, the most interesting part of the story is often the
- [Fall Decorating Ideas on a Budget](https://mydebtepiphany.com/fall-decorating-on-a-budget/) - Who's ready for fall? Spring and fall are my favorite seasons because the weather is usually nice and there's a lot to look forward to. I can’t wait for Thanksgiving, pumpkin flavored treats, football games and a visit to the apple orchard and pumpkin farm. Overall it’s just a relaxing time and more like the
- [How to Make Money by Options Trading](https://mydebtepiphany.com/how-to-make-money-by-options-trading/) - It is understandable that a new investor is eager to start making money from options. They have done their research, they understand what options are, and they have some money that they are looking to invest. Before jumping into things, it’s good to learn a little bit more about options and carefully examine their pros
- [Why You Should Be Insisting That Your Tenants Have Renters Insurance](https://mydebtepiphany.com/why-you-should-be-insisting-that-your-tenants-have-renters-insurance/) - Having a rental property can help bring you in some extra income, but it also comes with its share of stresses and complications. The most important part of being a landlord is being able to lease to responsible renters that will give you a minimum amount of trouble. Landlords want to protect their investment and
- [How to Resolve Gambling Debt](https://mydebtepiphany.com/how-to-resolve-gambling-debt/) - First and foremost, know this— Nobody ever bet their way out of gambling debt. You will NEVER win enough to do so, because the moment you win, you’ll bet again. What’s more, gambling debt tends to go far beyond what’s owed to casinos; it also encompasses credit card debt, loans (both private and institutional) and
- [The Best Genuine Ways To Make Money Online](https://mydebtepiphany.com/the-best-genuine-ways-to-make-money-online/) - If you have ever thought about trying to make money online, you have likely had to weed through the thousands of scammy sites to find a place to really make some cash. It’s not an easy process. There are so many places out there that are ready to take advantage of people that are just
- [A Life Built Alongside Side Hustle Projects](https://mydebtepiphany.com/life-build-alongside-side-hustle-projects/) - Today I have a guest post from Peter who blogs over at DollarSanity. He's had some interesting side hustles throughout the years so I hope this motivates you to explore what is possible. My life has been a journey full of crazy business ideas that just kept on coming, one after the other. From just
- [5 Ways To Save Money Through Technology](https://mydebtepiphany.com/5-ways-to-save-money-through-technology/) - It seems that every week the latest and greatest technological item is being released. The last mobile phone’s camera had 64 megapixels but the latest is set to have 7000. It has such high quality that you can actually see the individual atoms that make up each subject. The problem is that it is so
- [Four Ways To Avoid Using Credit When You Need Extra Cash](https://mydebtepiphany.com/four-ways-to-avoid-using-credit-when-you-need-extra-cash/) - One thing you can usually count on no matter what state the economy is in is emergency situations happening to most average-income Americans. Or even if it isn't emergencies or hardships they run into, it still might be situations where they need to buy things when their budget may not allow it. If you're in
- [4 Reasons To Consider Short-Term Loans](https://mydebtepiphany.com/4-reasons-to-consider-short-term-loans/) - You have seen and will see many ups and downs in your life. From bad relationships to empty pockets, we learn many great lessons in life. Experience is the prize we get at the end of a bad period. This experience shows us how to face such difficult times. We all come across financial problems
- [The Best and Worst Ways to Get Out of Debt](https://mydebtepiphany.com/the-best-and-worst-ways-to-get-out-of-debt/) - Debt is a hole that one never wants to find themselves in but many people do. Whether it’s through bad investments or poor choices, everyone has a unique story of how they got into debt. Everyone knows the saying, “once you hit rock bottom, there’s only one way to go: up.” Unfortunately, a large portion
- [The Best Short Term Loans to Get Online in 2019](https://mydebtepiphany.com/the-best-short-term-loans-to-get-online-in-2019/) - Getting a short term loan has its benefits. Check out this list of some of the best short term loans that you can get online in 2019. Did you know that 34% of Americans have taken out a personal loan? Are you strapped for cash or maybe just need some extra money? Have bad credit and
- [How Does Debt Consolidation Work?](https://mydebtepiphany.com/how-does-debt-consolidation-work/) - It's time to take a good hard look at your finances and stop from drowning by discovering how does debt consolidation work and is it right for you. Are you drowning in debt? Are you overwhelmed by your finances? It's common to feel like you're so buried by debt that there's no way out. That's
- [6 Smart Shopping Practices that Help You Save](https://mydebtepiphany.com/6-smart-shopping-practices-that-help-you-save/) - When it comes to shopping, we all like to save money where we can. Whether it be on groceries, toiletries, and electronics, it can be all too easy to overspend. Whether you live alone, or with family, there are lots of tips and tricks that you can use to your advantage, helping to cut down
- [What Are Other Better Investment Options Than Prepaying a Home Loan?](https://mydebtepiphany.com/what-are-other-better-investment-options-than-prepaying-the-home-loan/) - We all desire to be homeowners. One recent study established that the main reason why Americansborrow is to buy homes. A home is a basic need and it is just good that you plan for it. However, there are many factors for consideration when deciding to take a mortgage. Your ability to deposit and make
- [Can I Lend Money to a Friend and Charge Interest?](https://mydebtepiphany.com/can-i-lend-money-to-a-friend-and-charge-interest/) - The wise say no one is an island. At one point we all need help from others. This is very true when it comes to financial matters. Several conditions can force you to make a borrowing decision. For instance, you may want to inject more funds to facilitate the operations of your business. Sometimes emergencies
- [How Your Bank Can Help Improve Your Finances](https://mydebtepiphany.com/huntington-bank-account-review-improve-finances/) - This post is sponsored by The Huntington National Bank. All thoughts and opinions are my own. In the past, I never viewed my bank as a crucial resource to help me manage money. I always just thought a bank was a place that would keep your money safe, offer loans, and charge fees whenever you
- [Dealing With the Major Chart Patterns in Forex market](https://mydebtepiphany.com/dealing-with-the-major-chart-patterns-in-forex-market/) - Using a chart pattern trading strategies is one of the easiest ways to make money online. Many people in Hong Kong have changed their lives just by learning the basic details of major chart patterns. Though things might sound very easy, but in reality, you have to overcome many challenges. The majority of the rookie
- [Taking Care Makes You Weak in the Trading Profession](https://mydebtepiphany.com/taking-care-makes-you-weak-in-the-trading-profession/) - We are actually talking about taking care of the most proper trading performance. If the traders can manage it with some proper thinking, there will be a good performance, it is not that much of a hard thing to understand. It is actually a business for your kind sake. With good performance, the returns will
- [January Budget Review](https://mydebtepiphany.com/january-budget-review-2/) - Time for my first budget review of the year. I hope everyone who lives on the east coast is recovering from that harsh snow last month! Remarkably, I can count on one hand how often it's noticeably snowed this winter in Chicago and we even had two 50-degree days yesterday and Sunday but it's supposed
- [Frugal Wedding Series: Smart Ways to Save on your Dream Wedding](https://mydebtepiphany.com/frugal-wedding-series-smart-ways-to-save-on-your-dream-wedding/) - It’s been a while since I shared an update on how the wedding planning process is going. I got engaged last September and we’re planning to tie the knot in just a few months now. The planning is still going well and it’s even kind of fun, but I honestly don’t understand how people can
- [What's Up with These Student Loans?](https://mydebtepiphany.com/whats-up-with-these-student-loans/) - Last year I shared a lot about my car loan debt and how I was paying it off. Now that it’s out of the way and paid off, I’m definitely shifting my focus to attack my student loans this year. I put student loans on the back burner last year since my strategy to pay
- [December Online Income Report](https://mydebtepiphany.com/december-online-income-report/) - Time to talk about the income I earned in December! December was a pretty challenging month because my main goal was to balance meeting year-end deadlines at my day job, finish up with my freelance work, and spend at least a week away from online hustling and blogging so I could relax and enjoy the
- [Goal Recap and 2016 Goal Overview](https://mydebtepiphany.com/goal-recap-and-2016-goal-overview/) - Happy New Year! I’m back from my blogging break and feeling very refreshed and eager to start working on some of my goals for the new year. This time of year always stirs up the excitement and motivation I’d like to maintain throughout the next 12 months while I work on improving my life. Before
- [How to Grow Your Blog by Being Fearless](https://mydebtepiphany.com/how-to-grow-your-blog-by-being-fearless/) - Exactly one year ago, I made my first blog post on My Debt Epiphany. Don't forget to sign up for the giveaway in celebration of my one-year blogoversary This post originally appeared on Brown Girl Bloggers. So you’ve started your blog. You’ve been lucky enough to find your niche early on, set up your domain
- [November Online Income Report](https://mydebtepiphany.com/november-online-income-report/) - November was a pretty busy month, but I’m excited to share what I earned from working online in my spare time. If you are a new reader, each month I share the income I earned from working online aside from the work I put in at my full-time office job. I started side hustling in
- [What a Years' Worth of Budget Reports Can Do](https://mydebtepiphany.com/what-a-years-worth-of-budget-reports-can-do/) - I hope everyone had a wonderful Thanksgiving and a great November. Last month was a rush as usual, but I enjoyed my holiday break and I'm looking forward to a slower December. I'm currently taking Christina's Savor the Holidays mini e-mail course right now and I'm loving it. This is the first month so far
- [How I Outsource to Save Time and Money](https://mydebtepiphany.com/how-i-outsource-to-save-time-and-money/) - This year, I faced some challenges when I increased my work hours and started juggling blogging, working full-time, freelancing and being a parent and running a household. It hasn’t always been easy, but I still feel like I want and need to develop a decent work-life balance for my own health and sanity. I realized
- [20+ Frugal Ways to Live Your Best Life](https://mydebtepiphany.com/20-frugal-ways-to-live-your-best-life/) - Who said you can't be frugal and enjoy life? I initially stumbled upon frugality when I was trying to pay off debt and the concept sounded perfect to me - spend less on everyday expenses and put more money toward debt. I essentially became frugal by necessity as I was living way above my means
- [5 Ways to Make Your Cookout Cheaper](https://mydebtepiphany.com/5-ways-to-make-your-cookout-cheaper/) - Today I have a guest post from Douglas. Douglas Keller has been a financial expert for 20 years, helping people reach financial stability. He now provides personal finance tips on his blog Peak Personal Finance, where he helps people save money on their bills every month. With July 4th right around the corner, I know
- [Managing Your Credit Score: Tips and Advice](https://mydebtepiphany.com/managing-your-credit-score-tips-and-advice/) - Maintaining a good credit score is essential if you hope to get approved for any type of loan, credit card, or even a place to rent. While less than 1% of the population in the U.S. has a perfect score of 850, the average score according to CreditDonkey.com is 699. Higher scores not only mean
- [What to Look for When Opening a Forex Trading Account](https://mydebtepiphany.com/what-to-look-for-when-opening-a-forex-trading-account/) - It’s easier than ever now to begin investing in the foreign exchange, but doing it right is critical. You have a few essential aspects to consider, such as what type of account to open and choose a good broker. Find the Right Type of Trading Account There are a few different types of Forex trading
- [Rakuten (Ebates ) Review: Earn Cashback For Everyday Shopping](https://mydebtepiphany.com/ebates-review-earn-cashback-for-everyday-shopping/) - Online shopping has become more and more popular over the years and often times, we are able to get better deals by comparing retailers' prices quickly and shopping conveniently from home. Did you know that you could earn cash back from everyday online shopping? Rakuten formerly known as Ebates is a free website which offers
- [My New Save Half Budget](https://mydebtepiphany.com/my-new-save-half-budget/) - I’ve been budgeting for a while now and what I find interesting is how we all create budgets to stay organized and on track, but life is never so clear and predicable. Things happen, circumstances change, and mistakes are made. It’s all a part of life. The key to effective budgeting is being realistic, keeping
- [May Budget Review](https://mydebtepiphany.com/may-budget-review/) - May is over and it’s finally summer! Lately I've been realizing that time will really pass you by if you don’t stop and take in everything as it happens. It's a bit crazy that we're almost half way done with this year. May was an eventful month as usual, since we’re almost ready to move
- [What I Learned in 6 Months of Blogging](https://mydebtepiphany.com/what-i-learned-in-6-months-of-blogging/) - I can’t believe I’ve been blogging for six months already! Soon enough it will be a year and knowing that I have so many ideas and goals for this blog, it’s safe to say I’m definitely here to stay. I started this little blog in December because I knew I had a lot to share,
- [April Budget Review](https://mydebtepiphany.com/april-budget-review/) - Wow, what a month! April was a great month. Not just because I made huge debt repayment and savings strides, but also because nothing seriously bad happened. It was a nice mellow and fun month to say the least. We celebrated Ray's birthday (hence the larger dining out total), wrapped up my staycation, made progress
- [Money Smart Week: How to Not Go Broke When Paying Off Your Debt](https://mydebtepiphany.com/money-smart-week-paying-off-your-debt/) - In honor of Money Smart Week 2015, I’ll be posting my best tips and resources on the blog Monday, Wednesday and Friday this week followed by a special roundup of my favorite personal finance posts on Saturday. If you’ve never heard of Money Smart Week, have you been living under a rock it’s a public
- [The Man I Never Knew Who Changed My Life](https://mydebtepiphany.com/the-man-i-never-knew-who-changed-my-life/) - Hello all! I have officially 4 days left at work until my staycation so it’s getting real around here :) I’ve noticed a lot of new readers and subscribers lately and I just wanted to thank you all for checking out my little corner of the internet and taking the time out of your day
- [Credit Cards Are Not Evil: Don't Make These Common Credit Card Mistakes](https://mydebtepiphany.com/credit-cards-not-evil-dont-make-common-credit-card-mistakes/) - When most people hear the words ‘credit card’ they cringe. Either they owe their credit card company a balance or they just finished digging themselves out of credit card debt. Even if they have never used a credit card before, people may still cringe after hearing all the horror stories about their friends sinking into
- [My $0 Budgets Challenge Results](https://mydebtepiphany.com/0-budgets-challenge-results/) - Side note: Today one of my side hustle experiences is being featured on Believe in a Budget and if you have any time you should definitely check it out. I’d appreciate it and I’m sure you would too if you’re interested in learning about various unique side hustle opportunities. Kristin’s Side Hustle True Story series
- [February Budget Recap](https://mydebtepiphany.com/february-budget-review/) - Another month has flown by and I’m honestly not that phased. I’m so ready for spring and I have a staycation lined up at the end of this month so I CAN NOT wait. Last week was a bit hectic as we were pushing to meet a goal at work and as I was emailing
- [What Do Your Friends Think of Your Frugal Ways?](https://mydebtepiphany.com/friends-think-frugal-ways/) - Frugality is often a complex concept to understand let alone conquer. When I first started dating Ray in college and began encouraging him to adopt my frugal lifestyle in order to save money and meet his goals, he confessed he felt like he was being ‘cheap’ and often wondered how friends and other people would
- [Simple Alternatives to Expensive Daycare Centers](https://mydebtepiphany.com/alternatives-expensive-daycare-centers/) - Happy Friday! I’ve added a parenting category to the blog to switch things up every now and then and cover parenting topics that I know affect my life and probably other readers as well. So you guessed it, I’ll be discussing child care solutions as an alternative to expensive daycare today. If child care doesn’t
- [February is the Month of $0 Budgets](https://mydebtepiphany.com/february-month-0-budgets/) - Last month was a budget bust for me but like I said before, I’m happy to be hanging in there. To someone who’s simply over busy expensive months and cringes at the thought of mindless spending, some $0 budget categories sound awesome right about now. That’s exactly what I plan to do this month. I
- [5 Crucial Steps to Take before Launching Your Travel Startup](https://mydebtepiphany.com/5-crucial-steps-to-take-before-launching-your-travel-startup/) - So, you’ve got an idea for your very own travel startup. There really is a whole world of opportunity ahead of you, where you’ll be able to create something that marries your own passion for travel with your entrepreneurial drive. From tourism apps to platforms that offer solutions for the hospitality industry, to the “travel
- [25+ Ways to Save BIG On Your Dream Wedding](https://mydebtepiphany.com/30-ways-save-big-dream-wedding/) - Getting married almost 6 months ago was a big game changer for my finances. First, my husband and I were faced with the task of keeping our dream wedding within our budget. We knew we couldn't afford to spend the typical $25,000-$30,000+ on our dream wedding, but still wanted to live in the moment and
- [How to Find the Energy to Side Hustle](https://mydebtepiphany.com/find-energy-side-hustle/) - Side hustling is no doubt my absolute favorite way to earn extra money. Not only does side hustling allow me to give myself a raise and diversify my income, but it also always me to embrace my creative side in a way that my day job doesn't. While there are so many side hustle ideas
- [Real Ways to Make Money on Maternity Leave](https://mydebtepiphany.com/how-to-make-money-during-maternity-leave/) - Today I have a guest post from Daniela. Daniela McVicker is a well-known writer and a blogger. Her primary fields of interest include business communication, leadership, and management. On her Twitter page, she often shares her insights about leadership presence and building the relationship between a leader and employees. Today, she's sharing some helpful ways to
- [How Alexis Makes $3,000+ Per Month With Sponsored Posts](https://mydebtepiphany.com/alexis-makes-3000-with-sponsored-posts-monthly/) - Today I have an interview that I'm so excited to share! A few weeks ago, I reached out to Alexis who blogs over at Fitnancials. Alexis is a full-time blogger who made $80,000 blogging last year. Woot woot! One day she casually mentioned on her blog how she make money with sponsored posts - $3,000+
- [2015 Goals: An Uphill Journey](https://mydebtepiphany.com/2015-goals-uphill-journey/) - Happy New Year! I hope everyone had a fun and safe time. I just hung out with family at a church potluck/party then went out for a few drinks with Ray and some friends after he got off work. Overall it was a fun but subtle way to bring in the new year and I’m
- [How I'm Paying off My Debt](https://mydebtepiphany.com/im-paying-off-debt/) - Now that you’ve learned a little more about me and where my debt comes from, I figured I’d share my strategy on how I plan to pay these debts off as soon as I can and by paying the least amount of interest possible. First thing’s first, the infamous car loan. I currently owe $8,576.55
- [Embracing Frugal Holiday Traditions and Creating New Ones](https://mydebtepiphany.com/embracing-frugal-holiday-traditions/) - The holiday season is among us and I must say, all I want for Christmas is my holiday traditions! I know we’ve all probably heard that Christmas isn’t just about gifts and we all should be cherishing our family during this time etc. countless times this year and while this may be true, I’m not
- [Step By Step: How I Successfully Make $7,000 Per Month With My Side Hustle](https://mydebtepiphany.com/make-7000-per-month-with-my-side-hustle/) - Today we have a guest post from Sa El. Sa El is the Co-Founder of Simply Insurance. He is a Licensed Life and Health Insurance Agent with over 11 years of experience in the industry. He is an Entrepreneur, Insurance Educator, and Field Underwriter. Deciding to start a side gig can be both exciting and scary, even
- [Better Late Than Never Goals](https://mydebtepiphany.com/better-late-never-goals/) - It’s a little late in the year and a little early in this blog to recapping my goals but I wanted to let readers know where I’m at on this journey and where I want to take my finances and my life in the future. This way, when I share my revised 2015 goals in
- [Teach Children to Save with These Effortless Strategies](https://mydebtepiphany.com/teach-children-to-save/) - Today I have a guest post from Olivia Williams is a freelance writer and finance enthusiast. She is passionate about teaching people how to increase their income, manage wealth and eradicate debt. Families have different approaches when it comes to finances and teaching kids how to handle money. Some parents opt to impose their frugal lifestyle
- [Survey Junkie Review: Make Extra Money with Survey Sites That Are Worth Your Time](https://mydebtepiphany.com/survey-junkie-review-make-extra-money-with-survey-sites-that-are-worth-your-time/) - Do you have some free time and want to earn some extra money? You opinion matters and companies are willing to pay for it. Surveys have become a popular way to earn passive income. If you're looking for a survey company to get started, we're here to help. For our complete Survey Junkie review, continue
- [An Uber Driver's Story: How to Make More Money Driving With Uber](https://mydebtepiphany.com/an-uber-drivers-story-how-to-make-more-money-driving-with-uber/) - Hey everyone! Today I have a special guest post from none other than my hubby, Rhema!! Ridesharing has become such a popular side hustle these days that I wanted to cover how you can do it for profit on the blog. My husband has been driving for Uber for over a year and the extra
- [How to Avoid Mortgage Debt Becoming a Problem](https://mydebtepiphany.com/how-to-avoid-mortgage-debt-becoming-a-problem/) - Very few people have the luxury of being able to pay cash for the property. More often than not a mortgage is involved. There is no getting away from the fact that a mortgage is a debt; one of the biggest debts that most people will ever take on. However, mortgage debt is not necessarily
- [How to Make Money Trading Forex](https://mydebtepiphany.com/how-to-make-money-trading-forex/) - If you notice that your savings in your bank account are dwindling yet you are putting in more effort than you used to do a few years ago, it is time to think out of the box. Studies in the USA show that money stress has a high impact on the working class than any
- [Side Hustles Explored: Simple, Low Effort Ways to Make Money](https://mydebtepiphany.com/side-hustles-explored-simple-low-effort-ways-to-make-money/) - Let’s talk side hustles. This is a topic I could never get tired of talking about. There are literally hundreds (and maybe even thousands) of unique side hustles you can do to earn extra money. I started this series to help others learn about legitimate side hustles. I also want you to understand the necessary
- [Debt Mindset Series: Paying Off Student Loans For a Chance at a Better Life](https://mydebtepiphany.com/paying-off-student-loans-become-stay-at-home-mom/) - This week I have another great Debt Mindset Series interview with Val, the mastermind behind The Common Cents Club. Val found herself in $50,000 of student loan debt, and she wanted to pay them off quickly so they wouldn't balloon over the course of her repayment plan. She also had dreams of being a stay-at-home
- [A Week in the Life of a Work From Home Writer (Why I Suck at Work-Life Balance)](https://mydebtepiphany.com/work-from-home-writer-weekly-schedule/) - It’s been at least 2 years since I’ve done a day in the life post. Time really flies. I found it helpful reading these types of posts when I was a new blogger as well as when I was thinking about quitting my day job to run my online business full time. I like to
- [Debt Mindset Series: Achieving Debt Freedom](https://mydebtepiphany.com/achieving-debt-freedom/) - If you remember the Debt Mindset Series I published in 2017, you may remember Jen from Frugal Millennial. Now that I'm doing these regularly again, I wanted to re-interview Jen because of her major announcement — achieving debt freedom has become a reality because she is now debt free!!! Jen Hayes is an HR professional by day
- [10 Money-Saving Weight Loss Tips](https://mydebtepiphany.com/money-saving-weight-loss-tips/) - Today we have a guest post from Joshua who writes over at Detox Organics . Joshua has a passion for health and is always involved in fitness. He believes health is wealth and to stay healthy, we need to have a green superfood along with detox drinks! Losing weight is possible but most people think that
- [Digital Courses That Are Worth the Investment](https://mydebtepiphany.com/digital-courses-that-are-worth-the-investment/) - Over the past few years, I've taken quite a few digital courses. I love learning new things. Most importantly, I love learning from people who have been in my shoes, reached the goals I want to reach, and have achieved stellar results. When I first started this blog and began my financial journey, I resolved
- [What You Can Do to Pay Less on Auto Repairs](https://mydebtepiphany.com/pay-less-on-auto-repairs/) - There’s no getting around it – your car is a necessary part of your daily life. Whether you use it to drive yourself to work, take the kids to school, pick up friends, or any and all of the above, your car is vital to your life. And when your car needs repairs, they can
- [Where to Exchange Currency Without Paying Huge Fees?](https://mydebtepiphany.com/where-to-exchange-currency-without-paying-huge-fees/) - Traveling internationally for pleasure or business needs proper preparation and for the new travelers, it can be difficult knowing the best places to make a currency exchange, without incurring poor rates and high exchange fees. Consequently, the simplest solution is never the best option, especially when it comes to exchange rates and fees. However, with
- [How to Get a Free Car](https://mydebtepiphany.com/how-to-get-a-free-car/) - They say nothing in life is free, so is it possible to get a free car? Unless you were there the year Oprah gave her entire studio audience free cars, you may think absolutely not. It may seem far fetched, but it’s not impossible. There are a few ways to do so and they just
- [Frugal Birthday Party Ideas for Kids](https://mydebtepiphany.com/budget-birthday-ideas-for-kids/) - Planning a birthday party for your child can be quite a process. There are so many birthday party ideas for kids to choose from and tons of work to do to pull it all together. From choosing a location and theme to organizing the activities, sending out invitations, praying people show up and trying to
- [How to Make Extra Money Selling Electronics Online](https://mydebtepiphany.com/green-buyback-make-extra-money-online/) - Thank you Green Buyback for sponsoring this post. All thoughts and opinions are my own. We go through electronics quite a bit at our home. We're not those people who buy the latest iPhone whenever it's released, but we do update our items occasionally when things break or if we find the latest version on
- [How I Shop Smart and Save Money on Groceries](https://mydebtepiphany.com/how-i-shop-smart-and-save-money-on-groceries/) - I’ve posted about my family’s $300 grocery budget before and how we strive to maintain it each month. I’m not going to lie and say it hasn’t been somewhat of a struggle to maintain this budget, but I stick to it because it allows us to spend less and meet our other financial goals while
- [How To Improve Your Credit Score To 800 And Higher?](https://mydebtepiphany.com/how-to-improve-your-credit-score-to-800-and-higher/) - So you’re probably wondering how it’s possible to get a prime rate for your credit score. This is something most people seek. After all 90% of banks use this score. So let’s talk about the factors that go into a perfect credit score. Your History of Managing Credit One of the first and largest components
- [How Does Compounding Interest Work? (Basic Guide)](https://mydebtepiphany.com/how-does-compounding-interest-work-basic-guide/) - In the financial world, there are a lot of different buzzwords and terms that get thrown around, and sometimes you need a basic refresher on what all these words mean. You may vaguely recall the term ‘compounding interest’ from a finance class in school, but unless you paid very close attention, you probably don’t truly
- [Millennial Student Loan Debt: 7 Things You Should Know](https://mydebtepiphany.com/millennial-student-loan-debt-7-things-you-should-know/) - America If you’ve been paying attention to the news this year, you’ll know that one of the biggest problems in America today is the level of student loan debt. In 2018, the national student debt topped out at a dangerously high $1.5 trillion. The student debt in America no longer qualifies as an issue, but
- [Failing to Budget Has More Consequences Than You May Realize](https://mydebtepiphany.com/failing-to-budget-has-more-consequences-than-you-may-realize/) - Does the word budget make you cringe? It makes a lot of people feel this way. For most, it screams limitations and living "cheaply", and others simply find the process time-consuming or complex. Although it does require making wiser financial decisions and paying attention to detail, budgeting has many benefits. It saves you money, keeps
- [A Day in My Life: How a Working Mom Manages Motherhood, Work, Blogging and Freelancing](https://mydebtepiphany.com/a-day-in-my-life-how-a-working-mom-manages-motherhood-work-blogging-and-freelancing/) - Do you ever wonder how working moms get through the day? Being a parent is hard but fulfilling work and so is working full time, running a blog and building a successful freelance writing side hustle. Yet and still, I’ve taken on the challenge of doing it all and pushing myself to exceed the original
- [9 Free Things to do in Chicago](https://mydebtepiphany.com/9-free-things-chicago/) - Happy St. Patrick's Day! One of the benefits of living in or near a big city is all the opportunities for free fun and entertainment. After all, I’ve always been a fan of the idea that ‘fun’ should be free all the time anyway. Also, if you’re traveling to a new city, free entertainment and
- [6 Ways College Students Can Make Money](https://mydebtepiphany.com/6-ways-college-students-can-make-money/) - Today we have a guest post from my friend Jason who is a freelance writer for hire and blogs at The Butlter Journal. You can connect with him on Twitter @Butler_Journal. Take it away Jason! Most students go through college scrounging for change or waiting for their refunds to drop. There are many other ways
- [3 Of The Best Ways You Can Invest In Your Financial Future (Today!)](https://mydebtepiphany.com/3-best-ways-can-invest-financial-future-today/) - When it comes to money, it’s all too easy to spend. In fact, we just can’t seem to stop...but why? There’s no denying that day-to-day expenses are on the rise, but there’s likely more to it than that. Spending is that much more enjoyable that saving, for one. And saving itself? There isn’t all that
- [10 Personal Finance Questions You’re Too Embarrassed To Ask As An Adult](https://mydebtepiphany.com/10-personal-finance-questions-youre-scared-ask-adult/) - A good investment banker or credit counselor should tell you that there are no stupid questions, just unasked ones. Yet and still, if you've ever had burning questions about personal finance, you may have been afraid to ask for fear of being judged or even looking silly for not knowing the answer. As you can
- [Side Hustles Explored: Selling Scrap Metal](https://mydebtepiphany.com/side-hustles-explored-selling-scrap-metal/) - What do you do with your old tools, broken electronics or used soda cans? If you toss them out, you’re basically throwing away money. Today I wanted to talk about selling scrap metal as a side hustle because some people might not know this, but all metal has value and some types of metal can
- [Benefits of The Financial Service Business](https://mydebtepiphany.com/benefits-of-the-financial-service-business/) - Finance itself is a resource that drives the sources and raise the production of the business. Traders need finance to run their business properly, on the other hand, it generates it and improves the economy. It is the real mean that is essential to start a new business and assist the trades to enjoy the
- [Crucial Steps to Take Before Taking a Leap of Faith and Quitting Your Job](https://mydebtepiphany.com/crucial-steps-take-taking-leap-faith-quitting-job/) - So for these past 10 months, I felt like I've been having some type of quarter-life crisis - yeah that's a thing. I was so happy to land my current job two years ago, and even more motivated to pay off my debt. I set huge goals to get debt free ASAP, started this blog,
- [Smart Shopping: Why It's Better to Shop Online for Holiday Deals via Cyber Monday](https://mydebtepiphany.com/best-practices-when-shopping-on-cyber-monday/) - Let the games begin! That would be referring to the holiday shopping games that officially kick off this week in honor of Black Friday. This particular Friday is named so because it is the start of retailers’ "Super Bowl" where they end up making the bulk of their sales for the year. Thus, their accounting
- [Learning How to Embrace Budgeting (The Love Your Budget Course is LIVE)](https://mydebtepiphany.com/budgeting-course/) - I'm not going to lie, most people think budgeting suucckkkkkks, and with good reason perhaps. I remember the first time I gave a weak effort to learn how to budget, and it just didn’t work for me. It took me a lot of trial and error to find a budget that allowed me to feel
- [Unique 9 to 5: Teaching English in Asia](https://mydebtepiphany.com/unique-9-to-5-teaching-english-in-asia/) - Today I have a guest post from Angelique. Angelique MacArthur is the CEO and Founder of The Unfiltered Agency, a creative brand dedicated to helping women in their 30’s live the most beautiful and unfiltered life on their own terms. Her lifestyle blog is where she shares ways to find balanced empowerment through leveled up
- [The Ultimate Renter's Checklist](https://mydebtepiphany.com/the-ultimate-renters-checklist/) - As my readers know, one of my 2018 goals was to buy a house. What some may have forgotten is that my husband and I have always had a goal to have an investment property. Renting your home can be a phenomenal investment that functions as a fantastic source of additional income. Although there are some legal
- [How We're Saving Up For a Summer Trip to Disney](https://mydebtepiphany.com/summer-disney-vacation/) - Have any travel plans for this summer or the remainder of the year? My husband and I are planning to take our son to Disney World this summer and I’ll be taking another trip in the fall. It’s no secret that travel can get expensive – especially a trip to a famous attraction like Disney
- [9 Ways to Make Money While Traveling](https://mydebtepiphany.com/9-ways-to-earn-money-while-traveling/) - Today I have a guest post from Alexis. Alexis is a personal finance and travel blogger who enjoys writing about traveling and living a healthy lifestyle on a budget. She's lived in both South America and Europe and has plans on RVing full-time in the future. Outside of blogging, she enjoys volunteering at her local
- [How to Handle Your Finances When Traveling South East Asia](https://mydebtepiphany.com/how-to-handle-your-finances-when-traveling-south-east-asia/) - Traveling to another country is always an adventure, but the preparation, unknown cultures, language, and monetary systems can be daunting. By planning ahead and familiarizing yourself with the economics and how money operates in a foreign society, you can relieve a lot a stress during your vacation and enjoy each and every moment a little
- [Debt Mindset Series: The Power of a Side Hustle](https://mydebtepiphany.com/debt-mindset-series-the-power-of-a-side-hustle/) - This week I have another great debt mindset series interview with my blogger friend, Lindsay! She has a debt story I can really relate to because while I left college with a moderate student loan debt balance, I too graduated into a low-paying job field which made it more difficult for me to get my
- [Get Your Finances Under Control](https://mydebtepiphany.com/get-your-finances-under-control/) - Getting Out of Debt and Planning for the Future Many households struggle under the burden of debt, and it can be very hard to get out of debt without a strategy. Budgeting and saving money is a big part of getting ahead and paying off debt, but there is also a lot more that needs
- [How To Make a Credit Card Dispute](https://mydebtepiphany.com/how-to-make-a-credit-card-dispute/) - This post is by our regular contributor, Angelique. When it comes to payment options, none is more popular in today’s society than the use of credit cards. Whether it is in person with a quick tap of a card or online with an even quicker tap of a button, credit cards make it easier than
- [5 Lessons Learned After 2 Years of Self-Employment](https://mydebtepiphany.com/5-lessons-learned-after-2-years-of-self-employment/) - Yes, It's been two years already that I've been working for myself. My first day of self-employment was September 1st, 2016 and it seems like it was just yesterday. I never thought I'd quit my job to start working for myself, but I never felt like I fit in at other jobs. I never felt
- [Living on Fixed Income: Retirement Accounts](https://mydebtepiphany.com/living-on-fixed-income-retirement-accounts/) - The American dream used to be working a job, getting a retirement account, buying a house, retiring at 55, and living the rest of your life with income from that account. Well, today is a much different story. With prices increasing and inflation making our money worth less and less every year, people can't solely
- [What Does Co-Signing Mean to My Credit-Worthiness in Arizona?](https://mydebtepiphany.com/what-does-co-signing-mean-to-my-credit-worthiness-in-arizona/) - 10% of Americans are credit-invisible and Arizona residents have some of the worst credit in the U.S. While having no credit score might seem like a good thing on the surface, it could harm their chances of getting loans at favorable interest rates in the long-term. Lenders have little to no insight into the chances
- [How to Save Money on Halloween Costumes for Adults and Kids](https://mydebtepiphany.com/save-money-halloween-costumes-adults-kids/) - Feature Image Credit: FLickr If you're gearing up to start shopping for Halloween costumes like most of us, be sure to check out these tips from Anum first. Fall is here and the festivities are right around the corner. It’s the season of apple picking, hayrides and yep, you guessed it, Halloween. Children with visions
- [The Effects of Debt on Mental Health](https://mydebtepiphany.com/the-effects-of-debt-on-mental-health/) - The Effects of Debt on Mental Health When it comes to your mental health, feeling safe and secure is an important part of combatting issues of anxiety that are more and more commonplace in today’s society. Money won’t always bring us happiness that’s true, but what it can do, and does, is alleviate many of
- [Get Complete Resolution of Your Unsecured Debt](https://mydebtepiphany.com/get-complete-resolution-of-your-unsecured-debt/) - When you’re starting out in the workforce after having graduated college, you feel like you’re ready to take on the world. But when your college loans, car loans, and credit card interest rates start combining to turn your life into a debt-filled chaos, it can feel hard to ahead, even if you’re working several jobs.
- [How I Tricked Myself (and My Husband) to Overspend By Thousands](https://mydebtepiphany.com/how-i-tricked-myself-to-overspend-by-thousands/) - Some people are really protective over what they spend in that they don't want to let anyone else persuade them to buy something. They may be very skeptical about spending money on new products or services that fall outside of their 'norm'. I used to be like this, but not I spend based on my
- [Is Your Social Life Causing You to Get Into Debt?](https://mydebtepiphany.com/is-your-social-life-causing-you-to-get-into-debt/) - This post was written by our regular contributor, Leslye. So you’ve made a plan to pay down your debt. You feel good about your plan and are putting it into action. Then you realize that there is an unexpected roadblock to your debt management plan. Your friends. Is socializing getting you into debt? It’s quite
- [How to Better Manage Holiday Spending](https://mydebtepiphany.com/how-to-better-manage-holiday-spending/) - This post was sponsored, and paid for, by SunTrust. All opinions are my own. Summer is coming to an end and that means it will be just a few months until the holiday season. While you're probably looking forward to apple orchards and pumpkin spice lattes right now, time will fly by and the official
- [5 Most Important Things to Remember When Planning for Your Family's Future](https://mydebtepiphany.com/5-most-important-things-to-remember-when-planning-for-your-familys-future/) - There are some things, which are beyond every man’s control or comprehension. It is evident that no one knows what tomorrow may bring. However, people want to have a better life in the near future and this is why they look for ways that can help them achieve the goal. This is not a bad
- [Why It’s Worth Making Life Insurance a Budget Priority](https://mydebtepiphany.com/why-its-worth-making-life-insurance-a-budget-priority/) - All of us should be making life insurance a budget priority. While we tend to carefully budget all the other expenses that we have, we oftentimes neglect to shelter our families from less fortunate events. Death is not something we want to think about, but selecting a list of beneficiaries in case of unexpected death
- [Overlooked Insurance Aspects That Drive Up the Insurance Cost](https://mydebtepiphany.com/overlooked-insurance-aspects-that-drive-up-the-insurance-cost/) - In searching for the pocket-friendly insurance that caters for all insurance needs, most potential policy buyers overlook specific issues that affect the bottom-line. Understanding these matters helps paint the overall picture of what goes into the final price of a car’s insurance policy. Addressing these concerns will, therefore, give a quote that will help the
- [How Your Online Shop Can Accept Payments](https://mydebtepiphany.com/how-your-online-shop-can-accept-payments/) - If you’re opening a new online shop, you’ll need a reliable payment system. It’s important to set one up in the beginning and test it multiple times before customers start making purchases. Fortunately, new shop owners have many options online to accept payments. Shopify One option is to use Shopify and set up the point
- [How to Manage Your Inheritance Tax Wisely!](https://mydebtepiphany.com/how-to-manage-your-inheritance-tax-wisely/) - Losing a family member or close friend is always hard. In some instances, you may get a gift past the tomb in the form of inheritance. Managing an inheritance requires a well-orchestrated game plan. If you are not careful, taxes can swallow up your inheritance. Inheritances are not categorized as income for federal levy purposes,
- [Should Your Real Estate Business Become an LLC?](https://mydebtepiphany.com/should-your-real-estate-business-become-an-llc/) - Real estate is one of those ventures that you can get into through a very deliberate plan to become a landlord, but also sometimes just by a pure accident. Examples of the latter include inheriting a piece of property and renting it out or buying a house adjacent to your own just to be in control
- [Remortgage A Home Loan - The Right and The Wrong Way!](https://mydebtepiphany.com/remortgage-a-home-loan-the-right-and-the-wrong-way/) - Refinancing a mortgage should be taken into consideration particularly in our current economic climate and the challenging financial situations. Without a doubt, it can benefit you in several ways and, as a matter of fact, people are curious about this financial support for different reasons. Especially, first-time buyer financial loans are available as a good
- [You Can Now Boost Your Credit Score Without Taking more Credit Card Debts](https://mydebtepiphany.com/you-can-now-boost-your-credit-score-without-taking-more-credit-card-debts/) - It’s possible to build a good credit card history and a strong credit score without accumulating credit card debt. Whether you’re planning to apply for a mortgage, buy a car or rent an apartment, your credit score is the major determinant; a strong credit score can get you approved as quickly as possible. The most
- [5 Habits That Are Keeping You Broke](https://mydebtepiphany.com/5-habits-that-are-keeping-you-broke/) - Today I have a guest post from Shountee Turner. I'm sure many of can relate to holding onto bad financial habits but if you ever want to stop being broke, it's time to ditch them! Target is evil! I’m convinced of it. With pure intentions and a goal set, I arrive for a quick toilet
- [How to Plan Your Dream Wedding With Student Loans](https://mydebtepiphany.com/how-to-plan-your-dream-wedding-with-student-loans/) - Today I have a guest post from Herman. Herman Davis enjoys being active and finds any reason to go outside and explore the wilderness. If you can’t catch him online, you might be able to catch him at the gym or cheering on the Boise State Broncos and Arizona State Sun Devils. Follow him on
- [5 Tips to Help You Save on a Low Income](https://mydebtepiphany.com/5-tips-to-help-you-save-on-a-low-income/) - Hey everyone! Today I have a guest post from Sharon. Sharon Pascoe has been a finance content writer for over 8 years and now writes for Finance and Lifestyle, the blog of First Quality Finance. Have a low income? If you are one of the many people that earn the federal minimum wage of $7.25 or are
- [Have You Done Your Mid-Year Financial Checkup? Here are 6 Tips to Get Started!](https://mydebtepiphany.com/have-you-done-your-mid-year-financial-checkup-here-are-6-tips-to-get-started/) - Today I have a guest post from Leslye. Leslye Swindell is a freelance writer with a background in Communications. A lover of words and “jane of all trades”, she has a passion for finance and encouraging others to take control of their finances. Can you believe that this year is half over? As we are already
- [How to Start Investing in the Stock Market](https://mydebtepiphany.com/how-to-start-investing-in-the-stock-market/) - Individuals who wish to grow their money quickly often turn to the stock market. But investing in stocks certainly does come with a lot of risks. Therefore, before you dive into purchasing stocks, you should do plenty of research in order to get to know how the system works and how you can use it
- [How We're Avoiding Becoming House Poor](https://mydebtepiphany.com/avoid-becoming-house-poor/) - This is the year I'm finally becoming a homeowner. I'm excited but also nervous because I've been hearing all these horror stories about people who are struggling to make their house payments. I know that being a homeowner is more than just a status symbol. It's going to require sacrifice, a lot of hard work,
- [3 Ways to Get Out of Your Student Loan Quickly](https://mydebtepiphany.com/3-ways-to-get-out-of-your-student-loan-quickly/) - Before anything else, let us clear the following facts: Not even 2 out of 5 students are confident in understanding the financial terms associated with Student Loans The World owes trillions of dollars in student loans While in college, most students fail to understand the monthly costs they will have to put up against after
- [How To Cut Down On Student Loans](https://mydebtepiphany.com/cut-student-loans/) - Student loans can certainly be a pain in the neck. The fear and anxiety people get when thinking of the substantial student loans they have had for years could all be avoided. It is so unfortunate that most students are developing the deceiving notion that one cannot graduate from university successfully without student loans; something
- [How to Stop Investing In Stupid Things](https://mydebtepiphany.com/stop-investing-stupid-things/) - Hey everyone! I'm settling back in from my vacation last week but I'll be back with new content on Monday! Today, I have a guest post from Chad. Chad Zollinger is the editor of The Bottom Line and writer for The Mission on Medium. For work, he manages the Debt Relief and Tax Relief content at Best
- [Why I Took a Debt Payoff Break](https://mydebtepiphany.com/debt-payoff-break/) - Paying off debt requires a ton of discipline, willpower, and the right mindset. It's not always easy, but the results are often rewarding. Last fall I made the final payment on the student loan debt totaling about $35k+ of debt paid off since 2015. It was exciting and I felt accomplished. But it wasn't the
- [Beginner's Guide: How Do Loans Work?](https://mydebtepiphany.com/beginners-guide-loans-work/) - Are you looking to apply for a loan? You probably should first learn how loans work so as to make the perfect decision when you get out there to borrow. The first step is to identify the kind of loan you intend to take so as to follow the right process of borrowing. Personal loans
- [Get Paid to Teach Kids Yoga: Here's How](https://mydebtepiphany.com/get-paid-to-teach-kids-yoga-heres-how/) - Being stuck in a job you dislike or not earning enough money can be crippling. In recent years after finding a flexible side hustle I'm passionate about, I've been eager to explore other avenues so I can share them here on my blog. I came up with a huge list of more than 80 unique
- [Real Estate Business 101: How to Become a Landlord](https://mydebtepiphany.com/how-to-become-landlord/) - Today I have a guest post from Ivy Steele. Ivy is in my free Facebook group and after mentioning she'd been a landlord for several years, I asked her if she'd like to share her experience with us on the blog. I am definitely looking into investing in real estate someday so if you are
- [2018 Goals](https://mydebtepiphany.com/2018-goals/) - Hey, all! Life has been cray cray so far this year and I feel like I haven't shared any goals or updates with those of you who are interested in following my financial journey. I've spent the last few months relishing in the fact that I no longer have to make a student loan payment
- [Why I Left a Stable Paycheck For an Uncertain Income](https://mydebtepiphany.com/why-i-left-a-stable-paycheck-for-an-uncertain-income/) - In August 2016, I walked away from my stable full-time job and started working for myself. To say that self-employment has been life changing would be an understatement. There was been tons of ups and downs for me throughout the past year and I've had to come to terms with the fact that my income
- [7 Essential Steps to Regain Control Of Your Finances](https://mydebtepiphany.com/7-essential-steps-regain-control-finances/) - Today, I have a guest post from Tim Baker. Tim Baker, is an avid blogger who loves sharing his insights on various finance and not blogs throughout the web. You can check one of his blogs at FinanceBlogZone.com. Many people find it difficult to deal with personal finances, which can lead to a huge variety of
- [August Online Income Report](https://mydebtepiphany.com/august-online-income-report/) - Welcome to my first online income report! I decided to start sharing the income I earn online each month aside from what I earn at my full-time job to be more accountable for my goal of increasing my side hustle income this year. I report my budget, and freelancing and blogging have become such a
- [Lower Your Energy Bill With These Quick Tips](https://mydebtepiphany.com/lower-your-energy-bill-with-these-quick-tips/) - Today I have a guest post from my friend Sam! Sam Diab is an Essential Services Consultant from Illinois but does business nationwide. Outside of that, he's a recent college graduate, avid soccer player, and world cultures enthusiast. Above all that, he's a very frugal millennial and loves to save money! What does the average US household
- [Frugal Wedding Series: Saving Money on Wedding Flowers](https://mydebtepiphany.com/frugal-wedding-series-saving-money-flowers/) - I’ve finally put in the flower order for my bridal bouquet and my bridesmaids bouquets after what seems like a week of looking at flowers non-stop. I’ve tried to call local florists for advice and pricing but they all seem so busy this time of year. Plus, I’m not trying to pay a florist to
- [2016 End-of-Year Income Report (Quarter 4)](https://mydebtepiphany.com/2016-end-of-year-income-report-quarter-4/) - Welcome to my first quarterly income report! As many of you know, I stopped posting monthly online income reports last fall and decided to just share income updates quarterly since I usually focus on quarterly business goals. I recently hit my 2-year mark with blogging, and this is my 5th month being self-employed and freelancing.
- [Save Hundreds Per Year By Lowering Your Cell Phone Bill](https://mydebtepiphany.com/lower-your-phone-bill-and-get-refunded-for-unused-data/) - Updated 10/14/16 How much are you willing to spend on your phone? History shows that certain technologies get cheaper over time. Not cell phones and their service unfortunately. According to CBS News, the average monthly cell phone bill has soared to almost $150/month while the most expensive carriers (ranked from most expensive to least) include:
- [Frugal Wedding Series: How to Afford Your Dream Wedding Day](https://mydebtepiphany.com/frugal-wedding-series-how-to-afford-your-dream-day/) - Last month I announced how I got engaged and was super excited about it. I kind of dropped a ball with that post and mentioned we would be planning a wedding rapidly despite our debt and I would still try to have my dream day on a budget. Then I pretty much just left you
- [2017 Quarter 3 Online Income Report](https://mydebtepiphany.com/2017-quarter-3-online-income-report/) - I'm a little late, but finally got around to sharing my quarter 3 income report for my online business and I'm pretty excited about it! In a nutshell, quarter 3 was a period of slow down for my business and somewhat hectic for my personal life which I will explain in more detail further down.
- [2017 Quarter 2 Income Report](https://mydebtepiphany.com/2017-quarter-2-income-report/) - Time for another quarterly income report seeing as how it's been way overdue! I've been freelancing full-time for about 11 months now and it's been an exciting ride so far. I left my job last year to pursue freelance writing and blogging full time. My last day of work was August 31, 2016 and I
- [How to Start a Successful Money-Making Blog in 10 Days](https://mydebtepiphany.com/how-to-start-a-successful-money-making-blog-in-10-days/) - It's been 7 months since I've been a full-time blogger and freelance writer and I honestly can't say I know where the time has gone. It's been a wild ride and a very fulfilling journey. I've learned so much and can truly say I wake up each morning enjoying the work I do. This time
- [5 Unexpected Truths About Running a Business](https://mydebtepiphany.com/5-unexpected-truths-about-running-a-business/) - I've come full circle guys! September 1st was my 1-year anniversary of being self-employed or my entrepreneurversary (if that's even a thing). I lasted an entire year and not only survived but thrived as well. I can't believe how fast these last 12 months have flown by and that's why I just want to slow
- [Popular Games that Teach Kids About Money](https://mydebtepiphany.com/popular-games-teach-kids-money/) - One of my life-long goals as a parent aside from raising my child properly and giving him a good life is to teach my son how to avoid mistakes I made in the past so he doesn't have to experience some of the things I had to experience. Some of those mistakes I made are
- [Wedding Budgeting Tips: Where to Save and Splurge](https://mydebtepiphany.com/wedding-budgeting-tips/) - Today I have a guest post from Kayla. Kayla is a content writer for OurStart at the Income Store, located in a small town in Lancaster County, Pennsylvania. When not working, you will often find her eating, lazing around with her pup, or on adventures with her husband! Achieving a dream wedding is expensive. A
- [Debt Mindset Series: Running a Marathon, Not a Sprint](https://mydebtepiphany.com/debt-mindset-series-marathon/) - Today I'm a bit sad to reveal that this is my last interview for the series for the time being. I've interviewed some amazing people about their debt repayment journies and I hope you've enjoyed the stories and inspiration as much as I have, but I'm putting the series on a break and may pick
- [Debt Mindset Series: Believing It's Possible](https://mydebtepiphany.com/debt-mindset-series-believing-its-possible/) - While your motivation can usually be high once you begin your debt repayment journey, you could also very well feel defeated and discouraged before you begin as well. When you lack the confidence to pay off your debt and don't even believe you can succeed, you set yourself up for failure before you even get
- [Debt Mindset Series: Breaking Up With Credit Card Debt](https://mydebtepiphany.com/debt-mindset-series-breaking-up-with-credit-card-debt/) - If you've been in credit card debt before, you'll definitely relate to this story and if you currently have credit card debt, you'll find it inspiring. This week my interview is with LaTisha Styles who paid off $22,000 of credit card debt in 3 years. She overcame low wages early in her career along with
- [Debt Mindset Series: Breaking Free With a Debt Challenge](https://mydebtepiphany.com/debt-mindset-series-challenging-debt-with-the-idea-of-freedom/) - Paying off debt can be tiring after a while. I've been on an aggressive debt payoff journey for over two years now and I've lost some steam quite a few times although I just have a small student loan balance left. When it comes to crushing your debt, motivation and mindset are key and we
- [Debt Mindset Series: Escaping the Debt Trap](https://mydebtepiphany.com/debt-mindset-series-escaping-the-debt-trap/) - Welcome to another weekly dose of the Debt Mindset Interview series. If you're new, each week I share an interview an inspiring person who is either kicking debt to the curb or has already made their final debt payment. These interviews are different from the usual in that they focus on mindset and each person's
- [August 2016 Online Income Report](https://mydebtepiphany.com/online-income-report/) - I’m back with another income report! I hope you all had a fabulous August and Labor Day as we all deal with transitioning from summer mode to fall. As most of you probably know, I started freelancing full time September 1st and I’m loving it so far! Things are not as busy as they were
- [September 2016 Online Income Report](https://mydebtepiphany.com/september-2016-online-income-report/) - Time for another income report! Last month was crazy busy as it was my first month of being self employed and I was gearing up to attend FinCon, a financial blogger's conference. Let me just start by saying I love being self employed so far! The flexibility is amazing and even though some days are
- [How I Started Living Intentionally Without Even Realizing It](https://mydebtepiphany.com/how-i-started-living-intentionally-without-even-realizing-it/) - If someone told you, you only had one week left to spend with a specific loved one before they died or went away forever, what would you do with them? Now, imagine that someone told you that you only had one more week left to live. What would you run out and do before your
- [Debt Mindset Series: Turning Pain Into Triumph](https://mydebtepiphany.com/debt-mindset-series-turning-pain-triumph/) - Welcome to the 4th installment of the Debt Mindset Interview Series. This series is all about connecting with people throughout different stages of their debt repayment journey (from beginning through completion). The most important ingredient you need to be able to make progress when paying off your debt is the right mindset which is unfortunately,
- [Debt Mindset Series: Embracing the Journey](https://mydebtepiphany.com/debt-mindset-series-embracing-journey/) - Debt can be a dream killer for sure, but I love Melisa's determination and perseverance to get rid of hers for good and embrace the journey. Melisa has overcome dealing with the complex structure of foreign student loans and expenses like getting a mortgage and having to support her family members financially all while continuing
- [Debt Mindset Series: It's Time to Say Goodbye to Sallie Mae](https://mydebtepiphany.com/debt-mindset-series-time-say-goodbye-sallie-mae/) - Have you ever felt like someone just wasn't the right fit in your life, did more hard than good, and you just had to go? That's how Jason feels about Sallie Mae. While Sallie isn't an actual person and is a banking corporation instead, Jason is determined to break up for good by crushing his
- [Yes, We're Paying Off Our 15-Year Mortgage in 5 Years or Less](https://mydebtepiphany.com/yes-were-paying-off-our-15-year-mortgage-in-5-years-or-less/) - Today I have a guest post from a fellow blogger named Andy Hill. Andy is a mid-30's father of two living in the metro Detroit area, who runs the blog MarriageKidsandMoney.com (MKM) and hosts the MKM Podcast which takes listeners through the trials and tribulations of being a young parent and husband who is planning
- [A Day in the Life of a Full Time Work-From-Home Mom](https://mydebtepiphany.com/day-life-full-time-work-home-mom/) - Wondering what my typical day looks like now that I work from home full time? Unfortunately, it doesn't involve sleeping in or laying on the couch, eating bon-bons and watching television all day until my son gets home. During my last day in the life post, I shared my crazy busy schedule and I'm still
- [First Post!](https://mydebtepiphany.com/first-post/) - Welcome to My Debt Epiphany! My name is Chonce and while I’m a 20-something recent college grad living in the midwest, I’m certainly not your average girl. I’m definitely a woman of many hats as I manage working full time, being a full time mommy to my amazing little son, freelance writing, and working hard
- [Financial Goals for 2017](https://mydebtepiphany.com/financial-goals-2017/) - This is a sponsored conversation written by me on behalf of SunTrust. The opinions and text are all mine. I hope your year is off to an amazing start! I still can't believe it's 2017 already. Last year flew by way too fast but I was grateful for the holidays so I could relax and
- [Make The Most Of Your Holiday Decor This Year](https://mydebtepiphany.com/make-holiday-decor-year/) - One of the most exciting aspects of the holiday season is the opportunity to decorate your home in lots of beautiful, creative ways. Buying new décor every year can get expensive, though, especially if you’ve decided to change your holiday theme. Now that the holiday season is passing by, it's time to figure out what
- [Overcoming Debt Fatigue](https://mydebtepiphany.com/overcoming-debt-fatigue/) - Many of us who are paying off consumer debt and student loan debt tend to face debt fatigue sooner or later. Debt fatigue can surface when the process of paying off your debt starts to seem tiresome or if you're feeling fed up with carrying the burden and making sacrifices long-term. It's easy to start
- [No, I Won’t Spend $1,000+ on Christmas This Year (And You Shouldn’t Either)](https://mydebtepiphany.com/no-i-wont-spend-1000-on-christmas-this-year/) - This is a sponsored conversation written by me on behalf of SunTrust. The opinions and text are all mine. The holiday season is such an exciting time in my household. We love decorating and putting up our Christmas tree the day after Thanksgiving, and I always look forward to a nice break from work and
- [September Online Income Report](https://mydebtepiphany.com/september-online-income-report/) - I can’t believe it’s already time for my next income report. If you’re a newer reader, you haven’t missed much because I just started doing monthly income reports last month to track the income I earn from online work better and be accountable for my goal of earning at least $1500 per month by the
- [October Budget Review](https://mydebtepiphany.com/october-budget-review/) - I hope everyone had a great October and a nice Halloween. My son dressed up as a ninja and we went to a few parties with friends. Unfortunately, I didn’t dress up this year. My budget went pretty well with a few bumps in the road. My Highs I put another $1,040 toward debt last
- [10 Practical Tips for Attending Your Next FinCon (Conference Recap)](https://mydebtepiphany.com/10-practical-tips-for-attending-your-next-fincon-conference-recap/) - As most of you might already know, I attended my first ever FinCon last week and it was amazing. FinCon is a financial blogger’s conference but there are also many other professionals in financial media who attend like podcasters, financial companies and professional speakers. If you blog about personal finance or run a financial website,
- [How to Give Even When You're in Debt](https://mydebtepiphany.com/how-to-give-even-though-youre-in-debt/) - We’re always told to help ourselves first before we can help anyone else. It makes perfect sense. If you’re struggling, you can’t really be expected to help anyone else out until you sort out your own situation. If you have debt, you shouldn’t be loaning money out to someone else or donating to causes that
- [Unique Ways to Motivate Yourself to Pay Off Debt](https://mydebtepiphany.com/unique-ways-to-motivate-yourself-to-pay-off-debt/) - Paying off debt can be a tedious and tiring process. Trust me. Throughout my debt repayment journey so far I’ve gotten frustrated, upset, angry and I’ve had thoughts of splurging and simply just giving up. Being in debt can make you feel trapped, emotional and resentful; especially during the holidays when everyone is spending like
- [February Online Income Report](https://mydebtepiphany.com/february-online-income-report/) - It’s time for another income report. February was a pretty standard month and it was filled with a lot of maintaining and planning – I’ll get to that later. I focused some of my time on preparing my taxes since I had to do a lot of stuff to account for freelance income. I did
- [March Online Income Report](https://mydebtepiphany.com/march-online-income-report/) - The first quarter of the year is just about over and now it's time to talk about my online income. I tried to focus on continuing to work smarter after burning out in the middle of the month, and there were plenty of nights where I just choose to rest over working `because I needed
- [First Quarter Goal Recap for 2016](https://mydebtepiphany.com/first-quarter-goal-recap-2016/) - The first quarter of the year has ended, and I can honestly say I’m glad because winter starts to suck after a while and the goals I set in January will become more attainable as the year goes on. I’m a bit overdue for a recap, so I thought I’d give an update on how
- [How to Save Money on Almost Everything You Purchase](https://mydebtepiphany.com/save-money-almost-everything-purchase/) - A big thanks to Groupon for sponsoring this post! All thoughts and opinions are my own. The limits of my frugality are very real since I utilize a budget I like to follow closely each month. When you create a budget and commit to being frugal, one of the downsides I’ve noticed and common misconceptions
- [Second Quarter Goal Update for 2016](https://mydebtepiphany.com/second-quarter-goal-update-2016/) - We’re almost halfway through the year! I thought I’d share an update about where I’m at with my goals so far for accountability. Plus, I feel like I’ve been a little silent about my huge goal to quit my job to freelance this year. I’ll share what I’ve been up to with that toward the
- [April Online Income Report](https://mydebtepiphany.com/april-online-income-report/) - Better late than never! It’s time to talk about the income I earned back in April. Since I got married early this month and went out of town, I didn’t have time to add up the income I earned last month any sooner. You’ll also notice I didn’t post a budget review either. While I
- [May Online Income Report](https://mydebtepiphany.com/may-online-income-report/) - Welcome to another online income report! Every month I go over the money I earned online during the previous month and disclose how I earned it and how much time I spent working. In May my income dipped a little, but I also gained a much more positive mindset and felt like I was finally
- [February Budget Review](https://mydebtepiphany.com/february-budget-review-2/) - The first two months of the year have flown by, and I can't say I'm surprised or unhappy about it. February is the time when I become so over the winter and I'm in a super busy stage in my life right now so I can't wait for future months when I can slow down.
- [My Journey to Defeating Poverty](https://mydebtepiphany.com/journey-defeating-poverty/) - The following blog post is part of The Road to Financial Wellness blog tour. The Road to Financial Wellness is a three-month, grassroots campaign promoting financial empowerment on a national level and encourages people to pursue their dream lifestyle. Find out more about local events near you. I can't say much about poverty in other
- [March Budget Review](https://mydebtepiphany.com/march-budget-review-2/) - Wow what a month! March was a month of changes and a pretty standard month in terms of finances. Every month I share how well my spending went according to my budget and acknowledge my highs and lows for the month. I've been thinking that this may be one of the last reviews I'll post
- [January Online Income Report](https://mydebtepiphany.com/january-online-income-report/) - Welcome to my first income report of the New Year! January was an awesome month despite getting sick toward the last week. I tried to work on balance and time management, even though things fell apart when my sinuses went haywire for both me and my son and I just focused on doing the bare
- [September Budget Review](https://mydebtepiphany.com/september-budget-review/) - Happy fall everyone! I haven’t even had a pumpkin spice latte yet this year and already loving the weather, decorating around the house and preparing our favorite fall meals. If you’re new here, at the end of each month I share my budget and spending in order to be accountable for my financial goals along
- [Third Quarter Goals Check In](https://mydebtepiphany.com/third-quarter-goals-check-in/) - There’s only a few more months left in the year, so I really need to crack down on my goals. I’m away at FinCon for the remainder of the week, so I thought it’d be nice to check in on my annual goals during this slow work week for me. Initially, I tried to set
- [I'm Engaged!! What This Means for my Life and my Finances](https://mydebtepiphany.com/im-engaged-what-this-means-for-my-life-and-my-finances/) - Soooo, the cat is out of the bag. I got engaged on Sept. 1!!!! I’ve been meaning to tell you all on here, but I wanted to get my thoughts together first instead just rambling on and being all over the place. Plus, it’s still a lot to process. Here’s How it All Went Down
- [August Budget Review](https://mydebtepiphany.com/august-budget-review/) - It’s time to go over my budget again. August was a so-so month. Most of my time was spent getting the little one ready for school and working (blahh), but I still got to have a little fun and do some things to enjoy the last few days of summer. In August we visited the
- [July Budget Review](https://mydebtepiphany.com/july-budget-review/) - Another busy month is over and like everyone else, I’m trying to soak up the last few weeks of summer. Last month I introduced my goal of living on only about 50% of my income and using the rest to save and pay off debt. July was my first month of working toward that goal
- [Second Quarter Goals Check In For 2015](https://mydebtepiphany.com/second-quarter-goals-check-in-for-2015/) - We’re just about halfway through the year so that means it’s time to check in with my annual goals after the second quarter. I hope everyone is enjoying their summer so far. I know I’m trying to before it’s gone and it’s back to cold weather again in the Midwest. It’s scary to think that
- [March Budget Review](https://mydebtepiphany.com/march-budget-review/) - I feel like I’m writing these budget reviews a lot more often than I truly am. That just goes to show how fast these months are flying by. We officially made it through the first quarter of the year and I hope everyone is still rockin their annual goals. You can check out my first
- [First Quarter Goals Check In For 2015](https://mydebtepiphany.com/first-quarter-goals-check-in-for-2015/) - It’s time for my first quarterly check up on my annual goals. I know I haven’t said too much about my 2015 goals since I posted them back in January, but they’ve just been a work in progress and each month I’m taking the necessary steps to get there by the end of the year.
- [January Budget Review](https://mydebtepiphany.com/january-budget-review/) - Happy hump day everyone! It’s time for me to be accountable and review my monthly budget. While the month isn’t quite over yet, I’ve already finished paying my bills and other expenses and I don’t really plan on spending any more money this week. Last week was pretty rough for me so *fingers crossed* I

## Pages

- [Become Debt Free](https://mydebtepiphany.com/) - Organize your finances, get rid of debt, and embrace more freedom with My Debt Epiphany!
- [Shop](https://mydebtepiphany.com/shop/) - Welcome to the My Debt Epiphany Shop! Find products and challenges (for every budget) to help to get back on track financially and reach your goals. Aggressive Financial Goal Workbook Tired of setting financial goals that you can never seem to reach? Get this workbook and start planning actionable steps, tracking your progress, and building
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- [My Story](https://mydebtepiphany.com/about-chonce/) - I'm Choncé Here's my money story I grew up in a home where money was rarely talked about in a positive way. By the time I was finishing college, I had developed a very unhealthy relationship with money and racked up a ton of debt. As a young single mom, I struggled to make ends meet
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- [About Me](https://mydebtepiphany.com/about/) - This is more than just a debt blog. It's a website about transforming who you are and finding your purpose through improving your finances. I’m Choncé (pronounced Chon-say), a personal finance expert and professional writer who helps ambitious millennials and Generation Z, recent college grads, want-to-be entrepreneurs get unstuck by regaining control of their money
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- [Build an Emergency Fund..Fast Masterclass](https://mydebtepiphany.com/build-an-emergency-fund-fast-masterclass/)
- [The Ultimate Guide to Budgeting](https://mydebtepiphany.com/how-to-make-a-budget/) - Want to learn how to make a budget or get better at budgeting? You're in the right place. It's no secret that you NEED a budget if you want to improve and effectively manage your finances. Despite what other people will tell you, there's really no way to get around budgeting. You may be budgeting
- [Debt Free Christmas Challenge](https://mydebtepiphany.com/debt-free-christmas/) - Is it really the most wonderful time of the year if you actually can’t afford it? Roughly 44% of Americans rack up at least $1,000 of holiday debt each year, unfortunately. Most of us love Christmas, but fail to prepare for it. What if you didn’t have any financial stress during the holidays and could
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- [Start a Blog](https://mydebtepiphany.com/start-a-blog/) - This page contains affiliate links How to Start a Profitable Blog in 15 Minutes or Less with Bluehost Have you ever wanted to start a blog but didn’t know where to start? Do you keep second guessing the idea of starting your own blog due to financial reasons or just from feeling uncertain? I wrote
- [Want to Get Married on a Budget?](https://mydebtepiphany.com/wedding-guide/) - No, you don't have to be a complete cheapskate. My husband and I didn't want to pay for a fancy traditional wedding... But we pulled it off anyway after getting clear on our values, employing some frugal hacks, and sticking to a realistic budget. I found REAL ways to knock thousands of dollars off
- [NEW! Budget Beyond Your Paycheck Bundle - Sales](https://mydebtepiphany.com/paycheck-budget-bundle/) - LIVING PAYCHECK TO PAYCHECK IS BORING If you’re tired of being stuck in the paycheck to paycheck cycle, you’re not alone. Nearly 8 out of 10 American workers, including 10% of those who make more than $100,000 per year live paycheck to paycheck. Luckily, there’s a clear way out. Access the Bundle DOES THIS SOUND
- [NEW! Budget Beyond Your Paycheck Bundle - Limited Time Offer](https://mydebtepiphany.com/new-budget-beyond-your-paycheck-bundle-offer/) - Thank you so much for subscribing! I’m sending you your freebie now but before you go… Special One Time Offer 70% Get the whole bundle so you can Budget Beyond Your Paycheck Get 8 custom worksheets to help you use your budget to break the paycheck to paycheck cycle. [ec id=”1″] CLICK HERE TO BUY
- [Welcome](https://mydebtepiphany.com/welcome/) - Organize your finances,get rid of debt, and embrace more freedom! As featured in What can I help you with? Paying off debt Saving and Paying Off Debt With an Irregular Income Budgets, Debt Saving and Paying Off Debt With an Irregular Income How to Keep Medical Bills From Going to Collections and Save Your Credit
- [Welcome - PREV](https://mydebtepiphany.com/welcome-prev/)
- [Start Here](https://mydebtepiphany.com/free-money-guides/) - Already know exactly what you want to learn about when it comes to managing your money better? Perfect. I created this Money Guide section as a shortcut navigation to address some of your top personal finance questions and concerns. Establish Your Emergency Fund How to Save Up Your First $1,000 This Year Why You Need
- [Cart](https://mydebtepiphany.com/cart/)
- [Account](https://mydebtepiphany.com/account/)
- [Checkout](https://mydebtepiphany.com/checkout/)
- [How to Start Side Hustling and Making Extra Money](https://mydebtepiphany.com/start-side-hustling-make-extra-money/) - The cost of living is steadily rising and jobs aren't as stable as they used to be. In the past, you could expect to go to college, land a decent-paying job with benefits, and stay there until you retire and get a nice cushy pension. Nowadays, pensions are rare, many full-time jobs don't even offer
- [Side Hustles](https://mydebtepiphany.com/side-hustles/) - Do you ever feel like you're 'financially stuck' or on a super tight budget all the time? Establishing a side hustle to earn more money may be the key solution. It's so important not to get stuck in the mindset of believing that you're earning as much as you can and there is no ideal
- [Contact Me](https://mydebtepiphany.com/contact/) - Contact Me Email me at Chonce (at) MyDebtEpiphany (dot) com. with any questions, suggestions or guest posts ideas, or just fill out the contact for below. I'd love to hear from you! // Name * Email * Message * Recaptcha Submit
- [Advertising](https://mydebtepiphany.com/advertising/) - Interested in advertising on My Debt Epiphany? Are you looking for someone who loves to produce quality content about living well on a budget, saving, side hustles, and money management? Great! Here's what you need to know. My name is Chonce and I'm a Certified Financial Education Instructor who's paid off $40,000+ of debt and overcome
- [Hire Me](https://mydebtepiphany.com/hire-a-freelance-writer/) - Staff Writing, Ghost Writing, and Editing As a professional working copywriter, I’ve worked with hundreds of clients and businesses to develop custom and engaging content. The main difference between exceptional engaging content and mediocre, ineffective content is the passion and credibility behind it. I’m a passionate, organized and detail-orientated writer seeking to help
- [Disclaimer](https://mydebtepiphany.com/disclaimer/) - The content on this site is intended for informational purposes only and not meant to be taken as professional financial advice. The content on my posts is original and reflect my personal views, opinions, and experience with my own finances. While I try to deliver accurate and legitimate information, please note some facts and statistics
- [Create Your Own Budget](https://mydebtepiphany.com/create-your-own-budget/) - Thanks for showing your interest in my new Budgeting Course! I have locked your name in on my waiting list and will email you a 40% off discount code when the course is released in April!
- [Public Speaking](https://mydebtepiphany.com/book-a-financial-speaker/) - Interested in hiring a speaker for your next event, workshop, or classroom presentation? Choncé Maddox is a nationally recognized money expert specializing in helping millennials make better money decisions, college grads break free from student loan debt, and everyday hardworking Americans break the cycle of living paycheck to paycheck. Choncé is a Certified Financial Education
- [Debt Updates](https://mydebtepiphany.com/debt-updates/) - Welcome to my debt updates page! I track the progress my husband and I make on our debt payoff here. Our debt payoff journey has really been a doozy. As you can see below, in 2014 when I got serious about paying off my debt, I only started tracking my debt since we were just
- [Work With Me](https://mydebtepiphany.com/work-with-me/)
- [test](https://mydebtepiphany.com/test/) - The ‘Buck’ Stops Here Wake Up and Change Your Finances Forever Curate a Winning Money Management Strategy & Power Your Way Through Debt Pay Off Keep Striving Toward Keep Striving Toward .tp-caption.largepinkbg,.largepinkbg{color:#fff;font-weight:300;font-size:50px;line-height:70px;font-family:"Open Sans";background-color:#db4360;padding:0px 20px;border-radius:0px;position:absolute;text-shadow:none;-webkit-border-radius:0px;-moz-border-radius:0px}.tp-caption.medium_bg_red,.medium_bg_red{font-size:20px;line-height:20px;font-weight:800;font-family:"Open Sans";color:rgb(255,255,255);text-decoration:none;background-color:rgb(227,58,12);padding:10px;border-width:0px;border-color:rgb(255,214,88);border-style:none}.tp-caption.large_bold_white,.large_bold_white{font-size:58px;line-height:60px;font-weight:800;font-family:"Open Sans";color:rgb(255,255,255);text-decoration:none;background-color:transparent;border-width:0px;border-color:rgb(255,214,88);border-style:none} /****************************************** - PREPARE PLACEHOLDER FOR SLIDER - ******************************************/ var setREVStartSize=function(){ try{var e=new Object,i=jQuery(window).width(),t=9999,r=0,n=0,l=0,f=0,s=0,h=0; e.c = jQuery('#rev_slider_2_1'); e.responsiveLevels = [1240,1024,778,480];
- [Recommendations](https://mydebtepiphany.com/recommendations/) - I am a strong believer in sharing resources that could help people, save money, time, and help them reach their goals. There are so many cool products and services out there that a lot of people don't know about. I'm thankful for all the people who were kind enough to share resources and provide recommendations
- [Categories](https://mydebtepiphany.com/categories/)
- [Blogroll](https://mydebtepiphany.com/blogroll/) - Budget and the Beach Budget Blonde Debt Free Martini Debtgal Deat Debt Embracing Simple Femme Frugality Lifestyle Voices Making Sense of Cents Newlyweds on a Budget Red Debted Stepchild Shoeaholic No More PF Twins Simple Cheap Mom The Finance Girl The Single Dollar
- [Frugal Living](https://mydebtepiphany.com/frugal-living/)
- [Credit](https://mydebtepiphany.com/credit/)
- [Saving](https://mydebtepiphany.com/saving/)
- [Debt](https://mydebtepiphany.com/debt/)
- [Heathy Living](https://mydebtepiphany.com/heathy-living/)
- [Finances](https://mydebtepiphany.com/finances/)

## My Templates

- [Default Kit](https://mydebtepiphany.com/?elementor_library=default-kit)
- [Style #3: Modern Chic Sales Page](https://mydebtepiphany.com/?elementor_library=style-3-modern-chic-sales-page) - Name of Your Product Goes Right Here Your amazing tagline goes right here– make sure it clearly describes what your product is, who it helps, and a promise of transformation! CLICK HERE TO BUY NOW! Subtitle that agitates paint points or a “wouldn’t it be amazing if…” type of sentence Talk about your story or
- [Style #2 Feminine Bold Tripwire Page Template](https://mydebtepiphany.com/?elementor_library=style-2-feminine-bold-tripwire-page-template) - Thank you for subscribing! I’m sending your freebie now! Before you go… SPECIAL ONE TIME OFFER 75% Title of your product offer Add short description of your one time offer. Add a timer: if you’re using Elementor Pro, replace the shortcake block with the timer widget. If using free Elementor, create a timer using Evergreen
- [Style #1: Farmhouse/Rustic Tripwire Page](https://mydebtepiphany.com/?elementor_library=style-1-farmhouse-rustic-tripwire-page) - Thanks for subscribing! Please check your email for your freebie but before you go… Special One Time Offer 70% Title of your product offer A brief description of your special one time offer. Add a timer below: if using Elementor Pro use the Countdown timer. If using Elementor Free then use Evergreen Countdown Timer Plugin
- [Style #3: Modern Chic Tripwire Page](https://mydebtepiphany.com/?elementor_library=style-3-modern-chic-tripwire-page) - Thank you so much for subscribing! I’m sending you your freebie now but before you go… Special One Time Offer 70% Name of Your Product Goes Right Here Add a short description about your tripwire product and inspire people to click that buy button. Be sure to replace the timer shortcode with your own from
- [MDE New Front Page](https://mydebtepiphany.com/?elementor_library=mde-new-front-page) - Organize your finances,get rid of debt, and embrace more freedom! As featured in What can I help you with? Paying off debt Making More Money Budgeting & Saving Tools you need to succeed Grab a resource!
- [Aggressive Financial Goal Workbook](https://mydebtepiphany.com/?elementor_library=aggressive-financial-goal-workbook) - So you Set Your Big Financial Goal… Maybe you want to pay off a ton of debt, save for a down payment on a home, boost your emergency fund to a 6-month cash cushion, or even reach financial independence. Once the excitement wears off, it’s time to put in the work. Access the Workbook Are
- [Budget Paycheck](https://mydebtepiphany.com/?elementor_library=budget-paycheck) - Living Paycheck to Paycheck is Boring Growing up, my mom always said don’t jump off a bridge just because everyone else is. It’s the Same With Your Finances If you’re tired of being stuck in the paycheck to paycheck cycle, you’re not alone. Nearly 8 out of 10 American workers, including 10% of those who
- [05 Sales Waitlist / Offer Expired](https://mydebtepiphany.com/?elementor_library=05-sales-waitlist-offer-expired) - Sorry… This Offer has EXPIRED! You can use this templates as 1) a waitlist page before your offer is launched, and 2) to announce that the offer has expired or closed so people can sign up for the email list to be updated for the next launch! SUBSCRIBE Thank you! You have successfully joined our
- [05 Sales Page](https://mydebtepiphany.com/?elementor_library=05-sales-page) - Your benefit-driven headline or promise will go here This is the brief description of your offer promise or guarantee here to attract & convert your ideal customers. Enroll now Do any of these sound familiar? Write and illustrate the core frustration of your ideal customers here. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nam non
- [05 Sales Page Thank You](https://mydebtepiphany.com/?elementor_library=05-sales-page-thank-you) - Thank you for purchasing! Here’s what to do next… 01 Check your email Check your inbox (and the spam folder too) for an email from us so you can download the product. 01 Join Facebook Group Our free Facebook group is a great place to ask questions & meet other entrepeneurs. Click here to join
- [02 Opt-in Page (Long)](https://mydebtepiphany.com/?elementor_library=02-opt-in-page-long) - Write the title of your lead magnet or freebie here You can write a description here of how your freebie will help your audience. Lorem ipsum parturient nam ultricies duis vestibulum a suspendisse arcu mattis eros maecenas vestibulum adipiscing scelerisque erat himenaeos. Enter your email below to get the free lead magnet! SUBSCRIBE Thank you!
- [01 Webinar Thank You](https://mydebtepiphany.com/?elementor_library=01-webinar-thank-you) - HOORAY! You’re IN! Your spot is saved! Check your email for all the details in a few minutes.In the meantime, watch the welcome video below! https://www.youtube.com/watch?v=BKXxiKpKcmI Here’s what to do next… 01 Check your email inbox Check your inbox for an email from us and click on the confirmation link. Once you’ve confirmed, you’ll receive
- [01 Webinar Registration](https://mydebtepiphany.com/?elementor_library=01-webinar-registration) - Free Webinar With Host Name Place the title of your webinar or masterclass here You can write a description here. Free bonus when you show up live, you’ll receive a special limited time offer and free cheatsheet to improve conversion.Tuesday, June 6th 11AM PT / 2PM ET SUBSCRIBE Thank you! You have successfully joined our
- [01 Webinar Live Replay](https://mydebtepiphany.com/?elementor_library=01-webinar-live-replay) - Free live/replay Webinar with the host name Place the title of your webinar or workshop here This limited time offer expires when the countdown hits zero. [ec id=”2″] Check Out The Course Now Leave Your Comment Below: © YOUR BUSINESS NAME | DESIGN BY BLUCHIC | TERMS

## Testimonials

- [Ben Huber](https://mydebtepiphany.com/testimonials/ben-huber/) - Your work looks great -- I really appreciate the ease with which I can quickly go through and eyeball things without having to make significant edits. I really do appreciate the publish-ready work. I will continue to send gigs your way as they become available. Thank you for your hard work
- [Sheridan Suggs](https://mydebtepiphany.com/testimonials/sheridan-suggs/) - I signed up for Chonce’s financial couching class because I really needed help setting a budget. After reading her blog and reading her personal testimony I knew I needed HER advice. We had a number of similarities like being teen parents and supporting ourselves through college. I really enjoyed my experience with Chonce because she
- [Dorethia](https://mydebtepiphany.com/testimonials/dorethia/) - Love love love your latest article. ..I want to jump up screaming PREACH at you girl! Singing….so glad I found yoooooouuuuuuu or you fouuuund meeee…. (off key)Seriously, you’re writing rocks, great article!!!!
- [Alexa](https://mydebtepiphany.com/testimonials/alexa/) - Chonce has consistently gone above and beyond my expectations. Her writing style is clear and concise, she always delivers work on time and has helped me with many different blogging and social media related tasks. I completely trust her ability and judgment in everything she’s helped me with. I very highly recommend her to anyone
- [Jason](https://mydebtepiphany.com/testimonials/jason/) - Chonce delivers her work on time, has a great conversational and personal writing style, and is completely responsive whenever I contact her. I have worked with literally hundreds of writers over the last few years. Needless to say I have been let down many, many times. I have NEVER been disappointed with Chonce’s writing. If
- [This is a testimonial](https://mydebtepiphany.com/testimonials/this-is-a-testimonial/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit.

## Categories

- [Uncategorized](https://mydebtepiphany.com/category/uncategorized/)
- [Debt](https://mydebtepiphany.com/category/debt/)
- [Saving](https://mydebtepiphany.com/category/saving/)
- [Credit](https://mydebtepiphany.com/category/credit/)
- [Healthy Living](https://mydebtepiphany.com/category/healthy-living/)
- [Frugal Living](https://mydebtepiphany.com/category/frugal-living/)
- [Updates](https://mydebtepiphany.com/category/updates/)
- [Budgets](https://mydebtepiphany.com/category/budgets/)
- [Goals](https://mydebtepiphany.com/category/goals/)
- [Holidays](https://mydebtepiphany.com/category/holidays/)
- [Motivation](https://mydebtepiphany.com/category/motivation/)
- [Travel](https://mydebtepiphany.com/category/travel/)
- [Parenting](https://mydebtepiphany.com/category/parenting/)
- [Side Hustles](https://mydebtepiphany.com/category/side-hustles/)
- [Extra Income](https://mydebtepiphany.com/category/extra-income-2/)
- [Reviews](https://mydebtepiphany.com/category/reviews/)
- [Retirement](https://mydebtepiphany.com/category/retirement/)
- [Career](https://mydebtepiphany.com/category/career/)
- [Kid and Money](https://mydebtepiphany.com/category/kid-and-money/)
- [Kids and Money](https://mydebtepiphany.com/category/kids-and-money/)
- [Weddings](https://mydebtepiphany.com/category/weddings/)
- [Housing](https://mydebtepiphany.com/category/housing/)
- [Giveaways](https://mydebtepiphany.com/category/giveaways/)
- [Blogging](https://mydebtepiphany.com/category/blogging/)
- [investing](https://mydebtepiphany.com/category/investing/)
- [Student Loans](https://mydebtepiphany.com/category/student-loans/)
- [Freelancing](https://mydebtepiphany.com/category/freelancing/)
- [Insurance](https://mydebtepiphany.com/category/insurance/)
- [Shopping and Deals](https://mydebtepiphany.com/category/shopping-and-deals/)
- [Money Mindset](https://mydebtepiphany.com/category/money-mindset/)
- [Small Business](https://mydebtepiphany.com/category/small-business/)
- [Taxes](https://mydebtepiphany.com/category/taxes/)

## Tags

- [personal finance](https://mydebtepiphany.com/tag/personal-finance/)
- [My Debt Epiphany](https://mydebtepiphany.com/tag/my-debt-epiphany/)
- [meet me](https://mydebtepiphany.com/tag/meet-me/)
- [frugal lifestyle](https://mydebtepiphany.com/tag/frugal-lifestyle/)
- [my budget](https://mydebtepiphany.com/tag/my-budget/)
- [cutting expenses](https://mydebtepiphany.com/tag/cutting-expenses/)
- [saving](https://mydebtepiphany.com/tag/saving-2/)
- [financial goals](https://mydebtepiphany.com/tag/financial-goals/)
- [budgeting](https://mydebtepiphany.com/tag/budgeting/)
- [staying active](https://mydebtepiphany.com/tag/staying-active/)
- [building credit](https://mydebtepiphany.com/tag/building-credit/)
- [frugal living](https://mydebtepiphany.com/tag/frugal-living-2/)
- [holiday traditions](https://mydebtepiphany.com/tag/holiday-traditions/)
- [new traditions](https://mydebtepiphany.com/tag/new-traditions/)
- [enjoying family](https://mydebtepiphany.com/tag/enjoying-family/)
- [cherishing memories](https://mydebtepiphany.com/tag/cherishing-memories/)
- [debt repayment](https://mydebtepiphany.com/tag/debt-repayment/)
- [Christmas](https://mydebtepiphany.com/tag/christmas/)
- [holidays](https://mydebtepiphany.com/tag/holidays-2/)
- [saving money](https://mydebtepiphany.com/tag/saving-money/)
- [Christmas budget](https://mydebtepiphany.com/tag/christmas-budget/)
- [2015 Goals](https://mydebtepiphany.com/tag/2015-goals/)
- [dining out](https://mydebtepiphany.com/tag/dining-out/)
- [being in debt](https://mydebtepiphany.com/tag/being-in-debt/)
- [save money](https://mydebtepiphany.com/tag/save-money/)
- [no spend week](https://mydebtepiphany.com/tag/no-spend-week/)
- [birthdays](https://mydebtepiphany.com/tag/birthdays/)
- [free stuff](https://mydebtepiphany.com/tag/free-stuff/)
- [grocery budget](https://mydebtepiphany.com/tag/grocery-budget/)
- [eat well with less](https://mydebtepiphany.com/tag/eat-well-with-less/)
- [eat well](https://mydebtepiphany.com/tag/eat-well/)
- [cut grocery bill](https://mydebtepiphany.com/tag/cut-grocery-bill/)
- [budgets](https://mydebtepiphany.com/tag/budgets-2/)
- [professional development](https://mydebtepiphany.com/tag/professional-development/)
- [car expenses](https://mydebtepiphany.com/tag/car-expenses/)
- [accountability](https://mydebtepiphany.com/tag/accountability/)
- [shopping ban](https://mydebtepiphany.com/tag/shopping-ban/)
- [frugal entertainment](https://mydebtepiphany.com/tag/frugal-entertainment/)
- [new car](https://mydebtepiphany.com/tag/new-car/)
- [financing](https://mydebtepiphany.com/tag/financing/)
- [car note](https://mydebtepiphany.com/tag/car-note/)
- [auto loan](https://mydebtepiphany.com/tag/auto-loan/)
- [daycare](https://mydebtepiphany.com/tag/daycare/)
- [affordable childcare](https://mydebtepiphany.com/tag/affordable-childcare/)
- [side hustles](https://mydebtepiphany.com/tag/side-hustles-2/)
- [extra income](https://mydebtepiphany.com/tag/extra-income/)
- [paying off debt](https://mydebtepiphany.com/tag/paying-off-debt/)
- [staying motivated](https://mydebtepiphany.com/tag/staying-motivated/)
- [treat yourself](https://mydebtepiphany.com/tag/treat-yourself/)
- [low grocery budget](https://mydebtepiphany.com/tag/low-grocery-budget/)
- [affordable food](https://mydebtepiphany.com/tag/affordable-food/)
- [food budget](https://mydebtepiphany.com/tag/food-budget/)
- [eat well for less](https://mydebtepiphany.com/tag/eat-well-for-less/)
- [finding frugal friends](https://mydebtepiphany.com/tag/finding-frugal-friends/)
- [February goals](https://mydebtepiphany.com/tag/february-goals/)
- [monthly budget](https://mydebtepiphany.com/tag/monthly-budget/)
- [tracking expenses](https://mydebtepiphany.com/tag/tracking-expenses/)
- [establishing credit](https://mydebtepiphany.com/tag/establishing-credit/)
- [credit cards](https://mydebtepiphany.com/tag/credit-cards/)
- [frugality](https://mydebtepiphany.com/tag/frugality/)
- [prioritizing yourself](https://mydebtepiphany.com/tag/prioritizing-yourself/)
- [time management](https://mydebtepiphany.com/tag/time-management/)
- [studen loans](https://mydebtepiphany.com/tag/studen-loans/)
- [college](https://mydebtepiphany.com/tag/college/)
- [annual goals](https://mydebtepiphany.com/tag/annual-goals/)
- [quarterly goals](https://mydebtepiphany.com/tag/quarterly-goals/)
- [budget review](https://mydebtepiphany.com/tag/budget-review/)
- [tracking your expenses](https://mydebtepiphany.com/tag/tracking-your-expenses/)
- [save more money](https://mydebtepiphany.com/tag/save-more-money/)
- [increase your savings](https://mydebtepiphany.com/tag/increase-your-savings/)
- [being accountable](https://mydebtepiphany.com/tag/being-accountable/)
- [entertainment budget](https://mydebtepiphany.com/tag/entertainment-budget/)
- [personal fianance struggles](https://mydebtepiphany.com/tag/personal-fianance-struggles/)
- [hardships](https://mydebtepiphany.com/tag/hardships/)
- [personal finance journey](https://mydebtepiphany.com/tag/personal-finance-journey/)
- [side hustle](https://mydebtepiphany.com/tag/side-hustle/)
- [blogging tips](https://mydebtepiphany.com/tag/blogging-tips/)
- [goals](https://mydebtepiphany.com/tag/goals/)
- [blogging goals](https://mydebtepiphany.com/tag/blogging-goals/)
- [parenting](https://mydebtepiphany.com/tag/parenting/)
- [money lessons](https://mydebtepiphany.com/tag/money-lessons/)
- [budget](https://mydebtepiphany.com/tag/budget/)
- [summer bucket list](https://mydebtepiphany.com/tag/summer-bucket-list/)
- [grocery spending](https://mydebtepiphany.com/tag/grocery-spending/)
- [shopping every two weeks](https://mydebtepiphany.com/tag/shopping-every-two-weeks/)
- [$300 food budget](https://mydebtepiphany.com/tag/300-food-budget/)
- [freelance writing](https://mydebtepiphany.com/tag/freelance-writing/)
- [freelance tips](https://mydebtepiphany.com/tag/freelance-tips/)
- [salf half of your income](https://mydebtepiphany.com/tag/salf-half-of-your-income/)
- [new budget](https://mydebtepiphany.com/tag/new-budget/)
- [selling on Amazon](https://mydebtepiphany.com/tag/selling-on-amazon/)
- [selling on eBay](https://mydebtepiphany.com/tag/selling-on-ebay/)
- [increase your income](https://mydebtepiphany.com/tag/increase-your-income/)
- [sell items online](https://mydebtepiphany.com/tag/sell-items-online/)
- [mystery shopper](https://mydebtepiphany.com/tag/mystery-shopper/)
- [affordable housing](https://mydebtepiphany.com/tag/affordable-housing/)
- [non-tradition housing](https://mydebtepiphany.com/tag/non-tradition-housing/)
- [becoming a homeowner](https://mydebtepiphany.com/tag/becoming-a-homeowner/)
- [tiny houses](https://mydebtepiphany.com/tag/tiny-houses/)
- [cheap phone](https://mydebtepiphany.com/tag/cheap-phone/)
- [lower your phone bill](https://mydebtepiphany.com/tag/lower-your-phone-bill/)
- [republic wireless](https://mydebtepiphany.com/tag/republic-wireless/)
- [how to become a product demonstrator](https://mydebtepiphany.com/tag/how-to-become-a-product-demonstrator/)
- [earn more money](https://mydebtepiphany.com/tag/earn-more-money/)
- [side jobs](https://mydebtepiphany.com/tag/side-jobs/)
- [sales jobs](https://mydebtepiphany.com/tag/sales-jobs/)
- [easy ways to make money](https://mydebtepiphany.com/tag/easy-ways-to-make-money/)
- [low effort side hustles](https://mydebtepiphany.com/tag/low-effort-side-hustles/)
- [working mom](https://mydebtepiphany.com/tag/working-mom/)
- [day in the life](https://mydebtepiphany.com/tag/day-in-the-life/)
- [balancing work and freelancing](https://mydebtepiphany.com/tag/balancing-work-and-freelancing/)
- [balancing motherhood](https://mydebtepiphany.com/tag/balancing-motherhood/)
- [scrap metal](https://mydebtepiphany.com/tag/scrap-metal/)
- [selling scrap metal for profit](https://mydebtepiphany.com/tag/selling-scrap-metal-for-profit/)
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