Many of us have felt the wrath of student loan debt– I know I have. There’s no doubt that debt can accompany a bit of anxiety. It can make you feel that certain milestones like moving out or buying your first home are totally out of reach. In fact, 61% of millennials claim they’ve delayed buying a house because they felt overwhelmed with debt and underprepared. But, I’m here to tell you that doesn’t have to be the case. You can save for ... Read more...
Debt Free After Three is now Conscious Coins!
Hi y'all, I'm super excited to announce an exciting change - Debt Free After Three is now Conscious Coins! The new name represents my new journey through blogging, an attempt to share how I'm being more mindful with my money (or trying to). The content will remain somewhat similar, but I'm also expanding my coaching services. Now, you can easily schedule a 1-on-1 coaching call with me if you want specific advice on tackling your money ... Read more...
Why Self-Care Doesn’t (Always) Mean Spending More Money
Lately, I've been seeing the word "self-care" thrown about often. I feel like I see it on every social media platform and in magazine ads and I hear it when I'm talking to my friends. I am a BIG fan of self-care. My favorite ways to self-care are going to my therapist, doing a facial mask a few times a week and eating more veggies than I used to. But lately, I've seen self-care bastardized and co-opted for marketing campaigns and by ... Read more...
How to Ask for a Raise
When I first started this blog, my main mission was to share how I was paying off my student loans early and to inspire other people to do the same. I did so at first by cutting expenses, living frugally and putting all my extra income toward my loans. I was only making $28,000-$30,000 a year, but I still managed to pay off my debt in three years. Now that I'm on the other side of debt freedom, I realize where I went wrong in my journey: I ... Read more...
How to Get Fabulous Makeup Without Spending a Fortune
When I first decided that I wanted to pay off my loans early, I realized I needed to cut costs. Everywhere. That included my makeup and skincare products. Gone were the days of going to Sephora every time I wanted a new lip color, in came drugstore makeup. Growing up I was always envious of girls with designer lip glosses and eyeshadows, so it felt amazing once I started buying the brands I once coveted. But spending so much money on ... Read more...
How to Earn $1,000 a month as a Brand Ambassador
Any time I coach someone on how to pay off their student loans, I always mention they should find ways to earn more money. The people I talk to are often doing the best they can, budgeting, living frugally and putting every spare dollar toward their loans. But sometimes that's not enough. Sometimes spending less isn't enough - you need to find a way to make more. How to Make Money as a Brand Ambassador I first met my friend Melanie Lockert ... Read more...