Pay Cash for Christmas 2014
- Created on 01 October 2014
We’re bringing back the Pay Cash for Christmas challenge with a twist! This time, the Debt Free Divas have partnered with Just Another Mom to increase the prize and spark your competitive spirit. Fall is here and we have exactly 12 weeks until Christmas. Yes, I’m talking about Christmas. Have you seen the crazy commercials already trying to pry money from your pockets? We need to be proactive.
We’re on the cusp of one of the busiest shopping seasons of the year. The National Retail Federation reports that Americans spent an average of $730 on holiday spending in 2013. How much of your total landed on credit cards subject to interest? This year, let’s try Christmas with no strings attached. Will you pledge to take no new debt into 2015? To that end, we’re giving one lucky winner $250 towards the holiday spending.
Yakezie Challenge Part Deux
- Created on 29 September 2014
If at first you don't succeed (as with a debt free journey or coaxing a 9 month old into a much needed nap), try again. I came across the Yakezie challenge as a new blogger. This is a great community of personal finance and lifestyle bloggers who really were central in the development of the Debt Free Divas blog. The challenge goal to lower your blog rank is doable. Plenty of great bloggers that I heavily respect have walked this road before.
Life happens. Plans change. Priorities evolve. Well, I'm back. My current rank is 575,000 and my goal is 200,000 by the end of 2014. I must commit to regular, weekly posts and support other bloggers reach their target in the challenge. That I can do. As with the Power of Community experiment, the momentum to reach goals is supercharged with the power of accountability. My original goals haven't changed. I may have back-burnered the challenge before, but that wasn't the end of the story. Has your debt free journey hit a snag or bend in the road? Let's dust ourselves off and jump back into these challenges with both feet. Let's do this!
Weekend Reading – Saving More of Your Hard Earned Dollars
- Created on 26 September 2014
Great information abounds when looking for topics on personal finance. I want to start sharing a few of the inspiring posts that I hope will be useful. As you wind down for the week, how about ramping up on your weekend reading. My goal, as always, is to keep inspiring #teamdebtfree to achieve our debt free dreams. I run across a lot of great stories and love to share. This first blog crawl (I’ve never done a bar crawl, so this will have to do) is all about saving money where you are.
10 Thankful Things
- Created on 25 September 2014
The SITS blogging group has challenged us to get back into blogging by naming ten things for which we’re thankful. Welcome to those stopping by from the Back to Blogging challenge. Counting your blessings is a great way to express contentment even if circumstances aren't yet desirable. Dumping debt can be an arduous process. Without an appreciation for the process; you may have trouble maintaining focus. I’ll post my ten. Feel free to add your thankful things in the comments below.
Fall In To Better Rates
- Created on 23 September 2014
Autumn is upon us. I hope everyone enjoyed the summer. As we prepare for a change in seasons and refocus (if you’ve fallen off) on eliminating debt, I encourage you to review your rates. What interest rates are you carrying on existing balances? Have you been penalized with penalty interest rates due to late payments? Did a teaser introductory rate expire and convert to exorbitant highs? Working a debt snowball can create tunnel vision. The smallest debt may receive all of your attention. However, before the hustle and bustle of the holiday madness sets in, let’s make sure interest rates are in the best possible position.
Managing Through Distractions
- Created on 22 September 2014
Are you have a hard time staying on track? Are your financial goals sitting out there in the future? What's keeping you occupied? We are sharing our time management tips to help you kick start a more organized schedule and revive your debt free possibilities!
Power of Community Update
- Created on 21 September 2014
#teamdebtfree – WE DID IT! My #team2legit running buddy, the wonderful Ms. Shauna, and I completed our first 5K. It was a struggle. A couple of seasoned seniors passed us up with a mean power strut. While I giggled – inside – at the imagery, the activity of those around us was inconsequential. We got it done. Our journey to 5K completion, just like your debt dumping experience, might not look like the others with a few more years in the game. The goal is and was – completion.
Our experiment will begin on October 1. Sign up here to join the group. As previously stated, race training and dumping debt have shared qualities. A little encouragement is an amazing force. A lot of encouragement can make you unstoppable.
My family joined us at the race start to cheer us off (even though WonderMan was under the weather and the wind had a serious attitude).