Finally Frugal

I did it!!

Finally Frugal

Tis done. The student loan has finally been paid off - in full! I sold $20,000 of stock in December (having worked out the capital gains tax hit beforehand) and sent my last payment to the U.S. Department of Education this week! As you will see below, my balance is currently at ZERO!

Update and dilemma.

Finally Frugal

Hey there folks! Long time no blog! This summer has flown by - I'm still working like a dawg, but I can sense that the end is nigh! I now owe $29,318 on my student loans!!

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A mid-year update.

Finally Frugal

Whew! I know, I know, it's been awhile! In fact, it's been so long that Blogger has a completely new format and I'm not sure I know my way around anymore. However, I have some news! My student loans are now down to $39,071 !!!!

An update to celebrate the new year.

Finally Frugal

Greetings! We we begin the new year, I wanted to update my debt repayment status. I've made a dent in my student loan debt, though it has come at the cost of my mortgage debt, unfortunately.

End of Year Wrap Up and 2012 Goals

Finally Frugal

Hello, and Happy Holidays, folks! It's been quite a year; I have a total of four jobs (one full time, three part time) and am beginning to make a dent in my student loan debt. By the end of this year, I will have increased my income by over 70% (compared to my one full time job).

Frugal tax filing.

Finally Frugal

For the first year EVER in my adult life, I haven't yet submitted my tax returns. I'm usually the person who sends in an electronic return on January 31st at midnight (after all of my W2's and associated documentation has arrived in the mail or in my email inbox).

Finally back.

Finally Frugal

Sheesh! Being sick just about knocked me flat! And, unfortunately, sapped some of the motivation and joie de vivre from my life.

5 frugal grocery shopping habits.

Finally Frugal

People are often amazed (my own family included) that I can subsist on a grocery budget of $100 or less each month.

Sigh.

Finally Frugal

I'm pretty sure I've mentioned my 15 (almost 16) year old 'beater' car, which I'm trying to keep running until I'm debt-free. Since I take public transportation, I put about 2,500 miles a year on it, if that. As far as maintenance, I get regular oil changes and that's about it.

Frugal housing.

Finally Frugal

Last week, I was dithering about whether to pay down my second mortgage early, or start working on my student loan.

Frugal decisions.

Finally Frugal

One of the more interesting topics in the U.S. economic news is this tax cut that will (hopefully) leave an additional $50 to $85 dollars in our paychecks next year.

Frugal doubt.

Finally Frugal

I sort of knew this was coming. Inevitably at some point after I've made a decision I start to question myself. In this case, I'm questioning whether I should pay off my second mortgage first, or wait on that and pay towards my student loan instead.

Happy New Year!

Finally Frugal

Welcome to 2011! Little did I know when I started this blog in January of 2008 that I would learn so much and come so far in my struggle to overcome my debt and control my spending.

Interested in interest.

Finally Frugal

I forgot to mention one thing yesterday: it has been very, very gratifying to see that a greater percentage of my student loan payments are applied to principle as opposed to interest. For example, you'll see in the table below that in late 2010, when I started making payments, only 67% went to principle payment while a whopping 33% went to interest! Now that my overall balance is shrinking, 93% is going to principle on average, while only 7% goes to interest. Hallelujah! Total Paid. Principle.

Infrequent update.

Finally Frugal

If you're wondering where I've been in the last six months, I picked up another job, which has just about stretched me to the limit. I'm working a LOT but am also making a nice dent in my student loan debt, though I've still got quite a ways to go.

Pseudo-advice.

Finally Frugal

I am naturally drawn to those '10 best.' or '20 best.' of whatever, whether it be '10 best places to retire' or '5 best cities to find a job', or what-have-you. I'm not sure why I love them so much but they catch my eye and my mouse click at the same time. Here, though, is the most idiotic 'best of' list I think I've ever seen: 100 Best Money Moves.

Look to the right.

Finally Frugal

and you'll see my handy dandy Debt Reduction Progress bar, which I update every month or so. Since I can't figure out how to put the bar into an actual post (why the HTML works in the sidebar but not in my post is a mystery to me.) I wanted to include the current numbers and percentages in this posting so I can look back later and see how far I've come.

A Day Late.

Finally Frugal

And a dollar short. Where was THIS guy during the housing boom? Sorry for the silence, readers! I had (minor) surgery in March and boy did it throw me for a loop! Subscribe to Finally Frugal. housing economy

The Tax Man taxeth.

Finally Frugal

And then he giveth back! I was pleasantly surprised by both my federal and state tax returns this year. For whatever reason, although I earned just about the same amount this year as I did last year, I received a larger refund - by about $400. Part of this is due to the fact that one of my employers is finally taking out state taxes, which helped.

Frugal wardrobe.

Finally Frugal

As I continue to cast a critical eye over my belongings (how did I get so much STUFF?), I keep coming across these projects that are designed to remind us how little we actually need! First, I read about the Six Items or Less project, in which participants pledge to choose SIX items of clothing (not including undergarments, outerwear and accessories, of course) from their closets and wear only those items for an entire month.

Ugh.

Finally Frugal

Sorry for the blog silence, folks! I'm sick - for the second time in less than three months. Could it be that I'm working too hard? It's definitely a reasonable assumption, given the fact that I'm generally an incredibly healthy person, and I'm now working between 60 - 70 hours per week. I'm teetering between working as much as possible for a short period of time (year to year and a half) to pay off a LOT of my debt, and taking it a little easier so I don't burn out (and ruin my health).

And then there's this.

Finally Frugal

For pete's sake, can we get some good news over here????? Subscribe to Finally Frugal. mortgage housing debt

Find out How Chris & His Wife Paid off $52,000 in 7 Months

Family Balance Sheet

Today’s Debt Free Story is a guest post from Chris Peach. He and his wife paid off $52,000 in just 7 months. That’s crazy, right? How is that even possible? Keep reading… We Were Normal. In 2011, Andrea and I were normal. We had been married for 3 years and we both had great jobs.

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Jen & Her Husband Paid off $212,000 in Debt & Medical Expenses in 48 Months

Family Balance Sheet

Today’s Debt Free Story is from Jen. She is a speaker, author, and volunteer firefighter. Her website is The Iron Jen. Tell us about you and your family. Where are you from? What do you and your spouse do for a living? What are your hobbies?

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4 Days Only! FREE Barilla Pronto Pasta at Stop & Shop, Giant, and Martin!

Living Rich with Coupons

Barilla Coupon Stop & Shop, Giant, and Martin are having a 4 Day Sale running 5/26 – 5/29. Included in the sale is Barilla Pastas priced at $1.00 We have a $0.75/1 Barilla Pronto Pasta any box, available from the 4/30 Red Plum insert available. After coupon pay nothing! FREE Pasta!

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Are Peer Loans Too Risky or the Way of the Future?

Prairie Eco-Thrifter

(Photo credit: Wikipedia). If you haven’t already heard about peer lending, it’s likely that you soon will. The largest loan company, Lending Club, is getting ready to issue stock on the New York Stock Exchange and the media are already all over the story.

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The Prairie Eco-Thrifter Giveaway Extravaganza: 2nd Anniversary with an iPad 3 and over $200 Cash To Be Won Plus a Bonus Prize

Prairie Eco-Thrifter

I am still in shock. I cannot believe I started this blog just over two years ago. I started this site as a way of meeting some new people and having some interesting conversations and it has transformed into something much more than that.

4 Free Frugal Living eBooks to Get You Saving Money

Teresa's Deals

I really wish I had know about saving money and being frugal back when my kids where little. I am pretty sure I would have saved a lot of money and had the money for others things that might have been needed or wanted.

Frugal Friday: Halloween Tips to Help Save Money

Teresa's Deals

It’s is almost Halloween time and I am sure, if your like me, you are already looking for frugal ways to celebrate. There are many ways to save money for Halloween such as using coupons for the candy, making your own Halloween costume to going crafts for Halloween decor.

20 Uses For Lavender Oil

Teresa's Deals

I really love essential oils and one of my favorites is the Lavender Oil. Each oil has so many different uses but I wanted to let you know of a few uses for lavender oil. There are many wonderful ways to use Lavender Oil and I have listed some of my favorites.

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51 Easy Delicious Muffins

Teresa's Deals

This post may contain affiliate links or sponsored content, read our Disclosure Policy. It seems these days you can make almost any kind of muffin, I have had many different kinds. There are breakfast, fruit, vegetable, chocolate, you name it, I am sure you just might find a muffin recipe for it.

20 Ways To Save Money

Teresa's Deals

This post may contain affiliate links or sponsored content, read our Disclosure Policy. If you are like me, you are always looking for ways to save money. You can save money in so many different ways from food, entertainment to travel and so much more.

DIY Fall and Halloween Crafts + Printable

Teresa's Deals

This post may contain affiliate links or sponsored content, read our Disclosure Policy. It is almost that time of year again, Fall, looking forward to the cooler weather.

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New Walgreens Match Ups that will Help You Save Big – Starting 5/28!

Living Rich with Coupons

Walgreens Coupon Match Ups – 5/28 Here are the Walgreens Coupon Deals for this week! New to Couponing? Make sure to check out the Beginners Guide to Using Coupons New to Couponing at Walgreens? Check out the Walgreens Deals page to see all the latest deals at Walgreens.

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Summer Scent Room Spray – Essential Oil Recipes

Teresa's Deals

This post may contain affiliate links or sponsored content, read our Disclosure Policy. Since I have started using essential oils , I am always looking for recipes to use around the house. I have found quiet a few essential oil recipes but this Summer Scent Room Spray is one of my favorites.

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5 Blogging Tools to Increase Blog Traffic

Teresa's Deals

I am always looking for ways to increase blog traffic to my blog , there are so man different ways to do it. I have been blogging for a few years now and I learn of new places to promote my blog almost everyday. I use so many places now, it’s hard to keep up.

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Crispy Parmesan Chicken Recipe

Teresa's Deals

This post may contain affiliate links or sponsored content, read our Disclosure Policy. Crispy Parmesan Chicken Recipe. It’s been forever since I have had Parmesan Chicken, this makes the second time I have ever made it.

4 Essential Habits of Healthy Families

Teresa's Deals

This post may contain affiliate links or sponsored content, read our Disclosure Policy. If your like me, I’m sure you worry a lot about your family being healthy and fit. You want everyone to eat good, wholesome food. You want to have plenty of energy.

Old Navy $1 Flip Flop Sale Dates Released!

Living Rich with Coupons

Old Navy $1 Flip Flop Sale The sale of the summer is back again! Mark those calendars for the Old Navy $1 Flip Flop Sale! Old Navy $1 Flip Flop Sale {Cardholders Only} – 5/27 & 5/28 Old Navy Flip Flop Sale for Everyone – 6/24/17 Offer is limited to in-store only AND there is.

Find out How Brian & His Wife Paid off $109,000 in Credit Card Debt

Family Balance Sheet

Today’s Debt Free Story is from Brian. He writes at Debt Discipline about about how his family of 5 deals with money, budgets and debt. Tell us about you and your family. Where are you from? What do you and your spouse do for a living? What are your hobbies? .

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