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Be Mindful With Your Money

The Secret to Debt Payoff? Make It Easy

April 7, 2017 By Zina Kumok

This blog post is part of the Pay Down My Debt (PDMD) blog tour, sponsored by US Equity Advantage. PDMD is a solution that accelerates debt payoff and helps consumers monitor their credit and make smarter purchasing decisions. If you’re looking to pay off debt find out how they can help. When I meet new people, eventually the topic of my debt payoff journey comes up. I tell them that I write about personal finance and that I paid off my ... Read more...

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Filed Under: Money Tagged With: debt, debt payoff, student loans

How I Paid Off My Student Loans: My Five Best Strategies

October 27, 2016 By Zina Kumok

When I trying to pay off my student loans, I decided that I had to find a few different strategies to becoming debt free. I wasn't earning much ($30,000/yr) and owed almost that much ($28,000/yr). Because of my limited salary, I needed to become more diligent about my finances than I had ever been. I learned so much through that process and want to share the five best methods that you can use for your own debt payoff goals: Track Your ... Read more...

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Filed Under: Money Tagged With: debt, debt free, student loans

How I Paid Off My Loans in Three Years – and You Can Too!

June 14, 2016 By Zina Kumok

Want to pay off your debt quickly and effectively? I paid off my debt in 3 years on a low salary - and I can help you too!

Are you looking to pay off your debt but need a little guidance? I paid off my loans in 3 years - all chronicled on this blog, and I've created a course to help you pay off debt too. Let me be clear, you don't have to buy this course if you want to pay off your loans. Most of what's in the course is something I've written about before. The course gives you a step-by-step guide that can break down paying off your loans into more manageable ... Read more...

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Filed Under: Money Tagged With: course, student loans

How Much Interest Are You Paying?

February 23, 2016 By Zina Kumok

When you first start repaying your student loans, you might not pay attention to your interest rate. Here's why it's important to know your interest rate!

One of the biggest reasons I started paying extra on my student loans was because I realized how much money was going to interest. When I started paying off my student loans, my minimum payment was $350. About half of those initial payments were going to interest. That means $175 a month - or 10% of my take-home pay at that time -  was being flushed down the toilet. Interest is the money you pay to the bank for letting them lend you money. ... Read more...

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Filed Under: debt, Money Tagged With: debt, debt payoff, interest, student loans

Less than $10,000 of student loans left!

January 18, 2014 By Zina Kumok

I have hit the $10,000 mark! My debt repayment plan & more.

Today I celebrate a happy day. Today my student loans are in the single digits! I used to read about people with $10,000 worth of student loans and get so jealous. Even now I almost can’t believe that in 11 months, I will be debt free. Even though I am getting closer to my goal, I’m still learning more about my relationship with money. I’m a perfectionist and it’s easy to get discouraged when you want your finances to be perfect. Even when I ... Read more...

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Filed Under: debt Tagged With: debt, debtfree, student debt, student loans

One year later and a look back

December 18, 2013 By Zina Kumok

One year later, and how my debt repayment is going.

About a year ago I started this blog to chronicle my attempt to pay off my student loans. In that year, I have paid off more than $10,000 worth of student loans. Let's take a look back! How have I done this? I moved from a one-bedroom apartment to a three-bedroom duplex. Savings: $359/per month I moved to the same city as my boyfriend and stopped driving 6 hours to visit him every weekend. Savings: $150 I started earning more at my ... Read more...

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Filed Under: personal finance Tagged With: debt, personal finance, student loans

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Disclosure: I am not a financial professional nor am I licensed to dispense financial advice.
I may receive compensation from affiliate links and other companies.
While I share financial advice, it may not be appropriate for your lifestyle and personal situation.

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