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Debt Free Determined

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Debt Free Determined
student loans, debt free, budgeting
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Blogger Bio

Net worth:
Raleigh, North Carolina, United States
Life stage:
SINK (Single Income, No Kids)
IT / Data
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Latest Blog Posts

  Elizabeth Warren is currently serving as the senior United States Senator from Massachusetts since 2013. In 2005, she and her daughter Amelia Warren Tyagi, wrote a book called All Your Worth, and in it they describe the Balanced Money Plan; a simple formula that promises to help people determine how much of their paycheck they should be spending and how much they should be saving.    Since 2005, the Balanced Money Plan ...
Posted: Feb 14 2019 @ 12:33 AM
  On Tuesday, February 5, I attended the Ramsey Smart Money conference in Raleigh, NC. Never having been to a money-related event like this, I was super excited and interested to see what it was all about.   Smart Money is an event run by Dave Ramsey and his daughter Rachel Cruze. If you don’t know who Dave Ramsey is, he’s a huge presence in the personal finance community who ...
Posted: Feb 11 2019 @ 5:03 PM
  When I started this blog in December, I came up with this goal of paying down my student loans by July 2021. Unfortunately, I have no idea where I got this idea from 🙂 I’m pretty sure I just picked a date a few years from now and at the time, I thought it seemed realistic and tough, but doable, without doing any math to support those assumptions at ...
Posted: Feb 06 2019 @ 11:03 PM
  Finally under 40K!   Here’s the progress I made on my Student Loans in January 2019.   Payment History for January 2019:     I made 2 separate payments this month. The first was my auto-pay (what I pay by default each month aka $370.59) and the second payment was a payment I was able to make by saving some extra money from my paychecks this month.   Payment ...
Posted: Jan 30 2019 @ 11:22 PM
  Paying down student loans isn’t easy, that’s for sure. It takes consistency and a willingness to prioritize your student loan payments over other things like a vacation or buying new clothes every other week. And if you’re really focused, you often forgo smaller purchases because you’re constantly reminding yourself that “hey, I could spend $10 at Chipotle orrrrrrrrr put that money towards my student loans this month”. It’s a ...
Posted: Jan 22 2019 @ 11:53 PM
  If I could do it again, I would’ve applied for countless scholarships as a junior or senior in high school to help me pay for the cost of college. I should’ve done something for my future self; something to make my student loans a little more manageable when I eventually graduated from college. But unfortunately, applying for scholarships was the last thing on my mind at 17 years old. ...
Posted: Jan 18 2019 @ 9:03 AM
  My very first job was that of a “Business Analyst”. My job was to assess our client’s business problem and find the best, most efficient solution for it.   From the moment I started, I worked hard. I tried to learn as much as possible and never shied away from asking questions. I jumped at every new project, lead meetings and eventually managed a few peers.   Just 6 ...
Posted: Jan 14 2019 @ 10:50 AM
  When I first started this blog a few weeks ago, my Mom was the first person to comment on it.   I was so embarrassed when I saw it that I deleted it immediately.   But before I deleted it… the thought of erasing something my Mom had taken the time to write in order to help me just didn’t sit well with me. And it did have some ...
Posted: Jan 11 2019 @ 9:07 AM
  There are a few different things you might want to consider that could save you money as a Spotify user. And if you don’t currently use Spotify but are interested, this post can help you better understand your options!   If you don’t know what Spotify is, it’s an awesome platform for Music and Podcasts. I’ve used it practically everyday for a few years now – highly recommend!   ...
Posted: Jan 09 2019 @ 8:29 AM
  Optimal Finance Daily is far and away my favorite personal finance podcast.   The narrator, Dan Weinberg, finds posts from blogs online or excerpts from books about all sorts of money-related topics and reads them on the podcast. Each podcast episode on Optimal Finance Daily is only about 8 minutes long, and is absolutely packed with information that is incredibly helpful.   The best part, I think, is that ...
Posted: Jan 07 2019 @ 10:21 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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