Debt Free Stories: My Interview With YouTube’s Budget Girl!

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Today I’m excited to share with you Sarah Wilson, aka Budget Girl’s debt free story! She’s an awesome millennial woman who paid off over $32K of debt on her own in three years. And along the way has built a community of 59,000 subscribers on YouTube!

Sarah started her journey in 2014 making $26K as a journalist. Over three years she side hustled, lived frugally and made moves in her career to pay off her debt faster.

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Sarah’s story will empower you in whatever situation you’re in to suit up and attack your debt. Her YouTube channel is also a wealth of tips and resources on saving, meal planning, frugality and of course, budgeting.

And if after hearing Sarah’s story you want some ways you can live a more budget conscious life, check out my list of 90 ways to live a more frugal life!

Without further ado, here’s Budget Girl!

Can you tell a little about yourself for people who aren’t familiar with you and your YouTube channel?

I’m Sarah Wilson, also known as Budget Girl on YouTube, where I talk about living a frugal and fun life on a budget. I documented paying off my student loans on a low income over the past three years and am now living debt-free, but still frugally, while pursuing my financial goals.

<img data-attachment-id="3966" data-permalink="https://www.modernfrugality.com/debt-free-stories-my-interview-with-youtubes-budget-girl/m_f-single-woman-debt-2/" data-orig-file="https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/01/M_F-Single-Woman-Debt.jpg?fit=1000%2C1500&ssl=1" data-orig-size="1000,1500" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1"" data-image-title="How a Single Woman Paid off $32,000 of Debt in 3 Years" data-image-description="

Are you unsure how to pay your debt or how long it will take? Here is one woman who paid off a ton of debt in 3 years! #howtogetoutofdebt #tipstogetoutofdebt #howtogetoutofdebtfast #debtfree #debtpayoff

” data-medium-file=”https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/01/M_F-Single-Woman-Debt.jpg?fit=200%2C300&ssl=1″ data-large-file=”https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/01/M_F-Single-Woman-Debt.jpg?fit=400%2C600&ssl=1″ loading=”lazy” data-pin-title=”How a Single Woman Paid off $32,000 of Debt in 3 Years” data-pin-description=”Are you unsure how to pay your debt or how long it will take? Here is one woman who paid off a ton of debt in 3 years! #howtogetoutofdebt #tipstogetoutofdebt #howtogetoutofdebtfast #debtfree #debtpayoff” src=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/debt-free-stories-my-interview-with-youtubeac280c299s-budget-girl.jpg” alt class=”wp-image-3966″ width=”289″ height=”434″ srcset=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/debt-free-stories-my-interview-with-youtubeac280c299s-budget-girl-3.jpg 400w, https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/01/M_F-Single-Woman-Debt.jpg?resize=200%2C300&ssl=1 200w, https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/01/M_F-Single-Woman-Debt.jpg?resize=768%2C1152&ssl=1 768w, https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2020/01/M_F-Single-Woman-Debt.jpg?w=1000&ssl=1 1000w” sizes=”(max-width: 289px) 100vw, 289px” data-recalc-dims=”1″>

How much debt did you pay off and how long did it take you?

I started off with $32,640ish dollars in debt and paid thousands of dollars in additional interest as I was working the original number down. It took 3 years and two months.

You’re a writer and editor, why start a video channel?

Because I write and edit writing all day, I did not want to spend more time doing that when I got home – hence the vlog over a blog!

Why the name Budget Girl?

I wanted to commit fully to budgeting my income and getting out of debt. (The former really is the secret to the latter.) It wasn’t the first name I thought of, but it was the best that wasn’t taken already!

Logistics aside, it would be very hard to maintain the moniker if I wasn’t doing the best I could at budgeting, so I thought it would also hold me accountable.

How many videos have you done?

Just over 450. 🙂 It’s crazy to think I’ve done that many.

Update: Sarah has way more videos now with over 5.6 million views!

How do you budget?

I use an Excel-type spreadsheet that I created in Google Drive. It’s very basic and doesn’t require a lot of formulas or spreadsheet acumen. Anyone with a Gmail account has access to drive and it can be accessed from any computer or phone – so my budget is always with me.

How can someone else set up a budget in Google Drive?

I have a copy of one of my budgets available in this video, where I also describe how I budget. Anyone can copy the budget to their drive and use it or change it to meet their needs.

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What were some of your side gigs that helped you in paying off debt?

I delivered pizzas for a while on the 10 p.m. to 4 a.m. shift at Hungry Howies. I did secret shopping through SecondtoNone and Marketforce. I bought items at yard sales and sold them online or at consignment.

I also ruthlessly purged my belongings and sold anything I didn’t need. I’ve babysat, dog-sat, dog- trained and helped people organize their spaces.

I have made the most money Youtubing though. My channel currently makes me about $1,000 per month through monetizing the videos with Google. It has been a slowly growing thing.

I didn’t make any money during the first year I was making videos, but it really took off during the final year of debt and I was able to put all my YouTube earnings toward my loans.

What was your biggest setback during the last three years?

Being intentional with your money and having to log every dollar you spend has a wonderful side effect of really coming to understand what life costs.

So if an unexpected expense came up, I dealt with it and made a plan to never have to stress out over that same thing again. So when my car needed sudden work, I started a car repair/replace sinking fund and after that always had at least some money set aside to deal with costly car issues.

The same with medical expenses. So after budgeting for about a year, I was never shocked when a rainy day came and I had umbrellas a-plenty. This allowed me to transform potential setbacks into minor aggravations.

I was aggravated that I couldn’t put as much money to debt that month, but planning for inevitable expenses allowed me to never have to walk backwards.

Instead, I would say that for all three years, I never was set back, but occasionally moved forward more slowly or even had to stand still for a moment.

During this time I sinking funded two cross-state moves and paid cash for a new-to-me used car. But I never went into more debt. I anticipated the storm and slowed my debt payoff temporarily to save up and pay for it.

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What are some of the things you’re going to do now that you’re debt free?

I plan to save about $10,000 as a fully funded emergency fund, as per the Dave Ramsey Plan. This will allow me to pay for most issues that may arise with cash on hand. If God forbid, I was to fall ill or lose my job, I would have a healthy nest egg to ease or deal with the situation.

I do also plan on traveling some and generally enjoying life a little more than I allowed myself to when I was on a scorched earth budget and trying to get rid of my debt.

I’ve already started buying the good cheese, chocolate, and coffee at the grocery store instead of the cheap stuff. 🙂 I also plan to save for retirement, invest and generally make smart future-oriented money decisions.

What advice would you give to someone starting their debt-free journey?

It’s not going to be easy, but it will absolutely be worth it. Sacrificing now to live better later will be the best decision you’ve ever made, and looking back you won’t care about the times you had to say no to eating out or the home decor you didn’t buy, because you’ll be free from debt and will have so many more options.

Don’t put this off. You can do it. Keep trying. Definitely, get plugged into a group of like-minded people that will keep you accountable.

There is the financial YouTube community, which I can’t recommend enough, but also financial websites and Dave Ramsey groups online that are encouraging and inspiring (Dave Ramsey Baby Steppers with Compassion and Dave Ramsey’s YouTube Crazies are two very good groups).

If you’re looking for ways to get started cutting your budget like Sarah then try out some of these things I do to save money:

  • Groupon and LivingSocial for deals on activities.
  • Shopping through Ebates when making any purchases online will get you cash-back from virtually any retailer.
  • Apps like ibotta and Checkout51 to save at grocery stores and other big box retailers.
  • ThredUp for nice secondhand clothing at steep discounts from retail.
  • Use Blink to save on prescriptions.
  • EyeBuyDirect to save on prescription eyewear.
  • Energy saving methods like low-flow showerheads to reduce our utility bill.
  • Sites like Restaurant.com for dining deals.
  • I take advantage of free trials at gyms.
  • Use healthcare sharing to save big time on health insurance.
<img data-attachment-id="2607" data-permalink="https://www.modernfrugality.com/debt-free-stories-my-interview-with-youtubes-budget-girl/1-23/" data-orig-file="https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2019/01/1.png?fit=735%2C1102&ssl=1" data-orig-size="735,1102" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"" data-image-title="$32K of Debt on a Small Income" data-image-description="

$32K of Debt on a Small Income

” data-medium-file=”https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2019/01/1.png?fit=200%2C300&ssl=1″ data-large-file=”https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2019/01/1.png?fit=400%2C600&ssl=1″ loading=”lazy” width=”400″ height=”600″ data-pin-description=”Are you unsure how to pay your debt or how long it will take? Here is one woman who paid off a ton of debt in 3 years! #howtogetoutofdebt #tipstogetoutofdebt #howtogetoutofdebtfast #debtfree #debtpayoff” data-pin-title=”How a Single Woman Paid off $32,000 of Debt in 3 Years” src=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/debt-free-stories-my-interview-with-youtubeac280c299s-budget-girl.png” alt=”This girl’s debt payoff story is inspiring! #debtpayoff #debtfree #payoffdebt” class=”wp-image-2607″ srcset=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/debt-free-stories-my-interview-with-youtubeac280c299s-budget-girl.png 400w, https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2019/01/1.png?resize=200%2C300&ssl=1 200w, https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2019/01/1.png?w=735&ssl=1 735w” sizes=”(max-width: 400px) 100vw, 400px” data-recalc-dims=”1″>

<img data-attachment-id="4202" data-permalink="https://www.modernfrugality.com/debt-free-stories-my-interview-with-youtubes-budget-girl/how-to-pay-off-debt-on-a-low-income/" data-orig-file="https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/How-to-Pay-Off-Debt-on-a-Low-Income.jpg?fit=700%2C1350&ssl=1" data-orig-size="700,1350" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1"" data-image-title="How to Pay Off a Ton of Debt on a Low Income" data-image-description="

Do you want to know how you can payoff your debt on a low income- even when you have a lot? Here’s how a single woman paid off a massive amount of debt in a short time! #howtopayoffdebtfast #howtopayoffdebt #debtpayofftips #payoffdebtwithlowincome #payoffstudentloans #studentloantips

” data-medium-file=”https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/How-to-Pay-Off-Debt-on-a-Low-Income.jpg?fit=156%2C300&ssl=1″ data-large-file=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/debt-free-stories-my-interview-with-youtubeac280c299s-budget-girl-1.jpg” loading=”lazy” width=”700″ height=”1350″ data-pin-description=”Are you unsure how to pay your debt or how long it will take? Here is one woman who paid off a ton of debt in 3 years! #howtogetoutofdebt #tipstogetoutofdebt #howtogetoutofdebtfast #debtfree #debtpayoff” data-pin-title=”How a Single Woman Paid off $32,000 of Debt in 3 Years” src=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/debt-free-stories-my-interview-with-youtubeac280c299s-budget-girl-1.jpg” alt class=”wp-image-4202″ srcset=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/debt-free-stories-my-interview-with-youtubeac280c299s-budget-girl-4.jpg 700w, https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/How-to-Pay-Off-Debt-on-a-Low-Income.jpg?resize=156%2C300&ssl=1 156w, https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/How-to-Pay-Off-Debt-on-a-Low-Income.jpg?resize=311%2C600&ssl=1 311w” sizes=”(max-width: 700px) 100vw, 700px”>

Jen Smith is a personal finance expert, founder of Modern Frugality and co-host of the Frugal Friends Podcast. Her work has been featured in the Wall Street Journal, Lifehacker, Money Magazine, U.S. News and World Report, Business Insider, and more. She’s passionate about helping people gain control of their spending.

Source: modernfrugality.com

How Legit is Student Loan Forgiveness?

This post may contain affiliate links. Please read my disclosure for more information.

Everyone and their sister are on some kind of special payment plan for their student loans. But some people get so overwhelmed with the options they just don’t bother with them. With all the talk about student loans, debt, and wealth building I’d be remiss not answer the question:

How Legit is Student Loan Forgiveness?

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When we made the final payment on my $51,000 federal student loan (Which ballooned to almost $60K with interest.) Pressing that button (actually those three buttons) was a surreal experience.

In full disclosure, we paid off almost $78K of car and student loan debt on our own in 23 months with average salaries.

We made the decision to not go with a government-led program even before the snafu with less than 1% of the first Public Service Student Loan Forgiveness Applicants actually receiving forgiveness.

It’s not because I think they’re bad programs. Loan forgiveness programs serve an important purpose and should be in place, but they’re there for a small minority of people, not the general masses.

And unless you can meet the requirements to a T, report and organize diligently for over 10 years, and don’t care about your early income as it relates to retirement, student loan forgiveness may not be for you either.

Here’s my verdict on the two most popular student loan forgiveness programs.

Public Service Loan Forgiveness

Anyone employed by a government or non-profit organization is eligible to apply for Public Service Loan Forgiveness, PSLF. More specifically, you must make 120 payments under an income-driven plan, while employed full-time in qualifying profession for your PSLF application to be approved.

If approved, the remainder of any unpaid federal student loans are forgiven and you aren’t required to pay income tax on the forgiven amount.

This is a great program, albeit restricting, to get people doing jobs that are otherwise unattractive and under-rewarded.

Most millennials won’t qualify for this program, they shouldn’t. It’s meant to help subsidize people who are passionate about low-paying non-profit and government work and helps those industries attract quality workers who could be making more money elsewhere.

The rest of us should be trying to get the most money out of our chosen career paths, not looking for ways to get stuck in low-paying jobs.

Having a program like this also increases commitment to jobs that otherwise have a high turnover rate.

If your goal is to work in the non-profit sector then your hopes of making the big bucks are already dashed, add to that a hefty loan payment accruing 4-6.55% interest and you’re the type of person who will genuinely benefit from this program.

But don’t be deceived, this isn’t a “relief” program, it’s a government program designed to help the government first and you second.

Verdict: Legit

Income Based Repayment Plan

For the rest of us, there’s the Income Based Repayment Plan. Contrary to popular belief, IBR is not actually a student loan forgiveness program. It’s a repayment plan with a forgiveness option.

The government looks at your loan amount, income, family size, etc to determine a payment that’s no more than 15% of your discretionary income. You’re required to submit your tax return every year so if your income goes up your payment goes up.

If you pay off the loan before 20-25 years — depending on when you entered the program — then you don’t get any forgiveness.

Here’s a great calculator from Student Loan Hero to determine if you would benefit from IBR. When I was playing around with it, out of the first 3 scenarios I put in, one had my IBR payments at a level where I pay off my loans in 18 years and the next told me I was ineligible (based on income.)

Then there’s the tax argument. Whatever you do have forgiven, you pay taxes on like it’s income. That’ll most likely have you paying at least 22% tax on the entire forgiven amount. And you’ll need to be prepared to pay it in a lump sum or you’ll be hit with more fines and interest.

Verdict: Not Legit

These are just the two most popular methods. For up to date programs by state and profession, check out The College Investor’ resources on forgiveness programs.

Why Should Millennials Reconsider Forgiveness Through Income-Based Repayment?

I spent five years doing a job I loved just to find a different job I loved that paid more. I was able to take it without a second-thought because nothing was holding me back.

Alternatively, the organization or public program you work for could shut down at any time. Government jobs used to be the safest place to be employed, not anymore.

Unless you’re in a PSLF qualifying job that you love and is guaranteed to you for at least 10 years, I beg you to reconsider IBR.

When I was living on a single-income with over $50K of unbankruptable student loans, I thought I’d live under the weight of my student loans forever.

My epiphany came when I discovered I’m not the only one who doesn’t want to wait 20 years to be free of my loan debt. I want to be free to make as much or as little as I want and work in whatever field I please.

Also Read: Which Student Loan Should I Pay First?

Paying off your student loans early is really attainable. It’s hard but millennials are doing it. I know you can be one of them no matter what your income is. As millennials, the stuff we need to achieve this goal is in our generational DNA:

We’re Resourceful

We will go to great lengths to spend less where we can and save money on the necessities. I mean, just look at all the options we have!

  • Groupon and LivingSocial for deals on activities.
  • Shopping through Ebates when making any purchases online will get you cash-back from virtually any retailer. (I never get a Groupon without getting Ebates cash back!)
  • Use Blink to save on prescriptions.
  • EyeBuyDirect to save on prescription eyewear.
  • Energy saving methods like low-flow showerheads to reduce our utility bill.
  • Sites like Restaurant.com for dining deals.
  • ThredUp for nice secondhand clothing at steep discounts from retail.
  • Free trials at gyms.
  • Apps like ibotta and Checkout51 to save at grocery stores and other big box retailers.
  • Use healthcare sharing to save big time on health insurance.

We Hustle Hard

The stereotype that we don’t work hard enough to get ahead is just not true. We’re jumping on opportunities like Uber and Fiverr to side hustle our way into more money. We are masters of technology and budding soloprenuers. We started from the bottom but we’re on our way to you Drake.

Millennials are starting business younger and at twice the rate of Boomers. According to a 2015 study from The Hartford millennials overwhelmingly desire to be leaders in their fields. Leadership skills are the #1 training millennials want from their employers.

We’ve Seen a Lot

2008 was a big year for us. We were starting college or going back when we realized there were no jobs out there for us. While most of us didn’t get any personal finance education in school, we saw firsthand the result of poor financial planning. That’s why millennials are putting off marriage and mortgages to break even on the bad financial hand we’ve been dealt.

Instead of being broke with a cool apartment and $24K financed car, some of us would rather crash with the ‘rents, drive a $4,000 car and have $20,000 in the bank.

We Have Squad Goals

You know how they say it takes a village to raise a child? It takes a whole Facebook friends list to crush a millennial’s student loans. We have the power of a 24/7 community to share our struggles with and motivate us to keep going. If you can ignore your uncle’s constant political tirades (there’s an unfollow button for that) you have a wealth of support at your fingertips.

Also Read: How to Make $27K by Eating Out Less

Paying off our student loans is key to living an unrestricted life and investing in the future.

These characteristics may not be true for every millennial but neither are the negative ones. So if you’re surrounded by the type of friend who’s living paycheck-to-paycheck and fine with keeping their student loans around forever, don’t stress. We’re out there, hustling to beat the statistics.

<img data-attachment-id="2659" data-permalink="https://www.modernfrugality.com/how-legit-is-student-loan-forgiveness/student-loan-forgiveness/" data-orig-file="https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2019/02/student-loan-forgiveness.png?fit=735%2C1102&ssl=1" data-orig-size="735,1102" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"" data-image-title="Are you Elligible to Get Your Student Loans Forgiven?" data-image-description="

Have you heard about student loan forgiveness? You may be elligble to get yours forgiven for good. Here is a checklist to help to determine your eligibility. #studentloanforgiveness #studentloantips #howtogetoutofdebt #gettingoutofdebt #howtogetoutofdebtfast

” data-medium-file=”https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2019/02/student-loan-forgiveness.png?fit=200%2C300&ssl=1″ data-large-file=”https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2019/02/student-loan-forgiveness.png?fit=400%2C600&ssl=1″ loading=”lazy” data-pin-description=”Do you wish you could kick your student loans to the curb once and for all? You might be eligible for student loan forgiveness. #studentloanforgiveness #studentloantips #howtogetoutofdebt #howtogetoutofdebtquickly #howtogetoutofdebt #payingoffdebt #moneysavingtips #moneysavinghacks #freestuffhacks” data-pin-title=”Do You Qualify for Student Loan Forgiveness?” src=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/how-legit-is-student-loan-forgiveness.png” alt=”Why student loan forgiveness from income based repayment or pslf might not be all it’s cracked up to be.” class=”wp-image-2659″ width=”229″ height=”344″ srcset=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/how-legit-is-student-loan-forgiveness-1.png 400w, https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2019/02/student-loan-forgiveness.png?resize=200%2C300&ssl=1 200w, https://i0.wp.com/www.modernfrugality.com/wp-content/uploads/2019/02/student-loan-forgiveness.png?w=735&ssl=1 735w” sizes=”(max-width: 229px) 100vw, 229px” data-recalc-dims=”1″>

<img data-attachment-id="4249" data-permalink="https://www.modernfrugality.com/how-legit-is-student-loan-forgiveness/how-to-know-if-youre-elligible-for-student-loans-forgiven_/" data-orig-file="https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/How-to-know-if-youre-elligible-for-student-loans-forgiven_.jpg?fit=1000%2C1500&ssl=1" data-orig-size="1000,1500" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1"" data-image-title="Are you Elligible to Get Your Student Loans Forgiven?" data-image-description="

Have you heard about student loan forgiveness? You may be elligble to get yours forgiven for good. Here is a checklist to help to determine your eligibility. #studentloanforgiveness #studentloantips #howtogetoutofdebt #gettingoutofdebt #howtogetoutofdebtfast

” data-medium-file=”https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/How-to-know-if-youre-elligible-for-student-loans-forgiven_.jpg?fit=200%2C300&ssl=1″ data-large-file=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/how-legit-is-student-loan-forgiveness-1.jpg” loading=”lazy” data-pin-description=”Do you wish you could kick your student loans to the curb once and for all? You might be eligible for student loan forgiveness. #studentloanforgiveness #studentloantips #howtogetoutofdebt #howtogetoutofdebtquickly #howtogetoutofdebt #payingoffdebt #moneysavingtips #moneysavinghacks #freestuffhacks” data-pin-title=”Do You Qualify for Student Loan Forgiveness?” src=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/how-legit-is-student-loan-forgiveness-1.jpg” alt class=”wp-image-4249″ width=”263″ height=”395″ srcset=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/how-legit-is-student-loan-forgiveness-4.jpg 1000w, https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/How-to-know-if-youre-elligible-for-student-loans-forgiven_.jpg?resize=200%2C300&ssl=1 200w, https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/How-to-know-if-youre-elligible-for-student-loans-forgiven_.jpg?resize=400%2C600&ssl=1 400w, https://i1.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/How-to-know-if-youre-elligible-for-student-loans-forgiven_.jpg?resize=768%2C1152&ssl=1 768w” sizes=”(max-width: 263px) 100vw, 263px”>

<img data-attachment-id="4292" data-permalink="https://www.modernfrugality.com/how-legit-is-student-loan-forgiveness/mf-why-millennials-should-stop-wasting-time-on-student-loan-forgiveness-what-to-do-instead/" data-orig-file="https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/MF-Why-Millennials-Should-STOP-Wasting-Time-on-Student-Loan-Forgiveness-What-to-Do-Instead.jpg?fit=700%2C1350&ssl=1" data-orig-size="700,1350" data-comments-opened="1" data-image-meta=""aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"1"" data-image-title="Why Millennials Should STOP Wasting Time on Student Loan Forgiveness- & What to Do Instead" data-image-description="

Millennials should STOP wasting time on student loan forgiveness and here’s why. #studentloantips #studentloanforgiveness #moneytipsformillennials #studentloanforgivenesselligibility #moneyhacks #studentloandebt

” data-medium-file=”https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/MF-Why-Millennials-Should-STOP-Wasting-Time-on-Student-Loan-Forgiveness-What-to-Do-Instead.jpg?fit=156%2C300&ssl=1″ data-large-file=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/how-legit-is-student-loan-forgiveness-2.jpg” loading=”lazy” data-pin-description=”Do you wish you could kick your student loans to the curb once and for all? You might be eligible for student loan forgiveness. #studentloanforgiveness #studentloantips #howtogetoutofdebt #howtogetoutofdebtquickly #howtogetoutofdebt #payingoffdebt #moneysavingtips #moneysavinghacks #freestuffhacks” data-pin-title=”Do You Qualify for Student Loan Forgiveness?” src=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/how-legit-is-student-loan-forgiveness-2.jpg” alt class=”wp-image-4292″ width=”272″ height=”525″ srcset=”http://www.hanovermortgages.com/wp-content/uploads/2021/03/how-legit-is-student-loan-forgiveness-5.jpg 700w, https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/MF-Why-Millennials-Should-STOP-Wasting-Time-on-Student-Loan-Forgiveness-What-to-Do-Instead.jpg?resize=156%2C300&ssl=1 156w, https://i2.wp.com/www.modernfrugality.com/wp-content/uploads/2020/08/MF-Why-Millennials-Should-STOP-Wasting-Time-on-Student-Loan-Forgiveness-What-to-Do-Instead.jpg?resize=311%2C600&ssl=1 311w” sizes=”(max-width: 272px) 100vw, 272px”>

Jen Smith is a personal finance expert, founder of Modern Frugality and co-host of the Frugal Friends Podcast. Her work has been featured in the Wall Street Journal, Lifehacker, Money Magazine, U.S. News and World Report, Business Insider, and more. She’s passionate about helping people gain control of their spending.

Source: modernfrugality.com

5 Home Projects to Complete in 10 Minutes or Less

You probably have a laundry list of projects you’ve been meaning to complete around your home. Luckily, there are tips to help you complete some of these tasks in ten minutes or less. Your home can feel more organized (almost) instantly.

Organize your kitchen pantry: Start by sorting out expired items. Now organize your shelves by function. Separate snacks, baking necessities, spices, and more. Take inspiration from your favorite grocery stores. This ten minute task can save you time when you’re cooking your favorite recipes or making a quick midnight snack. As an added bonus, it reduces the chance of adding salt instead of sugar or vice versa.

Make natural cleaning products: Skip the store. Make your own cleaning products using things you probably already have on hand. You can save money, have a clean home, and be more environmentally friendly. Get started by making these natural cleaning solutions.

Organize your closet: Set a timer and organize your closet for ten minutes. We recommend organizing by color, type, or function. For example, hang all shirts, jackets, sweaters, skirts, pants, and dresses with each other. You will probably end up saving time in the long run, because it will be easier to find what you’re looking for.

Peeling wallpaper: Put a drop of wallpaper paste on a sheet of paper, rub the paper on the underside of the exposed wall, then press the peeling wallpaper against the glue. Smooth any bubbles out with a clean cloth and the wall can look as good as new!

Sliding glass doors or windows: If your glass fixtures are not sliding as smoothly as they should, spray a cloth with silicone lubricant and wipe it along the tracks. It’ll make it easier to get some fresh air.

Get off your computer, turn off the TV, and get started!

Source: century21.com

6 Ways To Get Rid of Mice Without Killing Them

Let’s be honest, in movies like “Stuart Little” and “Cinderella,” pet mice are adorable. However, they’re less cute when they’re in your home. If you find yourself with a pest problem, you need to figure out how to get rid of mice. Well, there are a couple of things you can do to prevent them from being attracted to your home in the first place.

From making sure your trash is sealed and ensuring food is out of reach and hiding pet food, you can do a few easy things to avoid the pesky critters. But, if you already have a mouse issue, the question still remains how do you get rid of mice in a humane way? Here are six different ways to get rid of mice.

1. Peppermint oil

peppermint oilpeppermint oil

Although people love the smell and taste of peppermint, mice like Gus Gus hate it. They have very sensitive noses and the smell of peppermint is too strong for them. Buy some peppermint oil from the store and dab it on a cotton ball. Then, place the peppermint-swabbed cotton balls strategically throughout the apartment where you’ve seen mice or mice droppings.

It’s an easy way to repel mice without having to trap and kill them. This method works best indoors as it’ll help retain the strong, mice-repellent smell of peppermint. You can find essential oils at most high-end grocery stores or aromatherapy shops.

2. Cloves

clovescloves

Similar to the smell of peppermint, mice don’t like the smell of cloves. Just like you would with the peppermint oil, place the cloves in the areas you find the mice most often.

The smell is almost unbearable to mice and will repel them from entering your apartment in the first place. This affordable, eco-friendly option is a great way to rid yourself of your problem while also making your home smell lovely.

3. Aluminum foil

aluminum foil ballaluminum foil ball

Almost everyone has aluminum foil in their kitchen supply drawer. This is an inexpensive and easy way to get rid of your mouse problem. Simply take the aluminum foil and ball it up.

From there, you’ll want to place the balls of the foil where you’ve seen the mouse entering and exiting the apartment. Mice don’t like the feel or sound of foil so it’s a simple method to humanely repel mice from attempting to enter your apartment.

4. Live catch and release traps

catch and release trapscatch and release traps

Catch and release traps are a classic way to get rid of mice without the killing part. Take some appealing food like crackers — Saltines, to be specific — and spread them with peanut butter. Next, take the crackers and place them in the trap. The mice will smell the salty treat and enter the trap.

Once the mouse is in the trap, the door will shut behind them. This trap does not kill the mouse, it just contains it. Once you have it trapped, just pick up the trap, take it outside and release the little creature into the wild. The mouse lives and you return to your apartment mouse-free.

Consider using a trap like the Mouse Cube, which is designed to not harm mice.

Bonus tip: It’s best to relocate the mouse about two to three miles away from your home to decrease the chances of it returning. Also, if you have to wait for better weather to relocate the mice, avoid handling it as much as possible. Mice do better with as little human contact as possible. Another tip is to drop them off in an area away from humans and ideally surrounded by rocks or trees so they’re able to build a nest.

5. Repellents

repellentsrepellents

Repellents are another easy way to get rid of mice. All you have to do is spray the repellent in any area where you’ve noticed mice and they’ll be gone. Although some repellents are toxin-free, it’s best to wear gloves just to be safe.

6. Ultrasonic repellents

ultrasonic repellentsultrasonic repellents

These little devices are great for getting rid of mice. They send out ultrasonic waves that create a sound that drives mice crazy. Since they hate the sound, they’ll be gone in a flash. All you have to do is place the device where the mice are, turn it on and your problem is solved.

This device is also great because it’s safer for other pets than other forms of getting rid of mice, such as poison. You don’t have to worry about the mice or your other furry loved ones anymore.

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How to get rid of mice without harming them

If you’d ever wondered how to get rid of mice, you now have seven humane and safe ways to do so. Now, you’ll never be left wondering how to get rid of them. These helpful tips will help you to make your house a cleaner, mouse-free place without harming any animals in the process.

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Source: apartmentguide.com

Maximize Cash Back for the Holidays with these Credit Cards

[DISCLOSURE: Cards from our partners are mentioned below.]

The holidays are coming. This may mean lots of shopping. You might be considering how you can spend money and earn rewards for shopping. Well, you’re in luck! There are some great credit cards out there that offer cash back rewards – which means that spending for the holidays can help you earn some serious cash back.

When looking for a credit card with great cash back rewards you need to find one that suits your spending habits. With this in mind, one of the best places to find those cards is by using Credit.com.

Find Your Card Now

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Credit.com allows you to easily search for credit cards using a few different categories to filter with:

  • Card Type: you can search for credit cards based on personal credit cards, student cards, business cards, and military cards.
  • Rewards: there are options for cash rewards, airline miles, gas rewards, or hotel points
  • Preferences: you can filter out credit cards based on if they have no annual fee, low APR, or cards that can help you build credit.
  • Credit Level: you can easily filter out cards based on your credit score so that you have a higher chance of getting approved for what you apply for.
  • Issuer: if you have a preference of which bank your credit card will go through, you can filter based on that bank.

You can also compare cards to see what’s best for you. Let’s take a look at some credit cards that offered on credit.com.

Credit Cards with Great Rewards

Chase Freedom Unlimited® 

The Chase Freedom Unlimited card offers 1.5% cash back on every purchase automatically and there is no minimum to redeem for cash back. Plus, you can earn $150 dollars if you spend $500 dollars in purchases within the first 3 months of opening your account. The cash back does not expire as long as your account is open.

Capital One® SavorOne℠ Cash Rewards Credit Card

If you’re a foodie, then the Capital one SavorOne Cash Rewards Credit Card is for you. Cardholders earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, there’s opportunity to earn a one-time $150 cash bonus after spending $500 within the first three months of the account opening.

Wells Fargo Cash Wise Visa® Card

The Wells Fargo Cash Wise Visa Card is very flexible – cardholders earn unlimited 1.5% cash rewards on all purchases. Plus, you can earn 1.8% cash back on qualified mobile wallet purchases like Apple Pay or Google Pay within the first 12 months of the account opening. Not only that, but you can also earn a $200 cash rewards bonus after spending $1,000 in the first three months of the account being open.

What to Look for When Applying for a Card

You want to find a credit card that offers the most generous rewards for your spending. Some cards offer more rewards for certain categories, like groceries or gas. If you spend a lot in one category, then you may want to apply for a card that gives you more rewards for that category.

Also, it may be good to find a card that doesn’t have a limit on the amount of cashback you can earn. Some cards put a cap on how much you can earn back from spending in certain categories. To see if there are any limits, see the card issuer’s terms and conditions.

Another thing to consider is the fees. If you’re interested in a card with an annual fee, see if it will actually be worthwhile. If you travel outside the country a lot, then you’ll likely want a card that has no foreign transaction fees.

Finally, if you can, find a card that offers a sign-up bonus. Not all cards do this, and it’s okay if you go with a card that doesn’t offer one. Some sign-up bonuses can mean hundreds of dollars in cash back (if you meet certain spending thresholds) and it can be a great opportunity to earn a lot of rewards.

What to Avoid When Applying for a Card

There are several things that you may want to avoid when applying for a credit card:

  • Cards that have a high annual fee but offer few and low rewards for spending.
  • Cards that offer substandard rates of return – you’ll end up spending a lot of money without seeing much cashback or spending rewards coming your way. Remember though, that in order to qualify for a card with great rewards, you likely need to have a good or excellent credit score.

Compare and contrast different cards to find the one that best fits your spending habits. You don’t want to be stuck with a card that offers travel rewards when you don’t fly. These rewards won’t be useful to you.

If you have debt, you might want to avoid cash back reward cards and instead find a credit card that offers low interest rates. This is because the debt that you carry may cancel out the cash back rewards that you earn. Plus, the temptation of earning cash back might cause you to overspend.

Should You Apply for More than One Credit Card?

Different cards offer different rewards in different spending categories. In some cases, it may make sense to apply for more than one card.

One issue you may encounter is you run the risk of having more accounts than you can handle. You might not be able to pay off the cards each month.

Finally, applying for multiple credit cards at a time can bring down your credit score. Credit score formulas assume that since you’re applying for multiple cards that you’re a higher credit risk.

With all of this in mind, find a card (or cards) that fits your spending habits and offers rewards that you’ll use. Also, make sure that you aren’t charging more than what you can pay in full at the end of the month to maximize the rewards the card can offer you.

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To see what cards you may qualify for, sign up now for a free Credit.com account. We give you two free credit scores that are updated every 14 days, as well as a Credit Report Card, which is a summary of what’s on your credit report.

You can also carry on the conversation on our social media platforms. Like and follow us on Facebook and leave us a tweet on Twitter.

At publishing time, the cards mentioned are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Source: credit.com