Debt Reduction Archives - Problems and Projects

2020: A Year In Review – Lessons, Financial Goals, Blog Income

Alright, I know it kind of feels like it's December 43rd of 2020 and like the whole time stream is pranking us... The fact is, though, it's (technically) a new year. For many of us, that means looking back on last year, and reflecting on what we hope to accomplish this year. Today, I'll be looking back on 2020 with a year in review. I'll reflect on our experiences, share a few lessons learned, discuss our finances and debt payoff progress so far, and give you a glimpse into what my first year of blog income looked like.Then, we'll chat about…

112 Comments

January 12, 2021

Blogmas / Debt Reduction

Why I Don’t Make Resolutions and What I Do Instead

I don't make resolutions. In fact, it's been years since I made one. Every year, as the new year approaches, we all set resolutions. We decide that the coming year will be our best one yet and proudly declare the things we'll achieve. Lose weight, earn more money, get organized, travel more, quit smoking, get fit, read more. Odds are, you've set a resolution that sounds something like this. Statistically speaking, there's also an 80% likelihood that you gave up on that resolution by Valentine's Day! That's the problem with New Year's resolutions. We go into them with high hopes…

130 Comments

December 31, 2020

Debt Reduction

Last Minute Gifts Roundup for Everyone on Your List

We've officially reached Christmas week. Have you finished up all your holiday shopping? If not, don't panic. With just a few days till Christmas, you can still grab last minute gifts and stocking stuffers for everyone on your list without leaving home. Today, I'm compiling all my favorite gift guides from across the blog into a roundup that will help you out with that final push before the holidays. Many of the items on these lists can be purchased on Amazon and shipped to your doorstep in a couple days with Prime Membership. Not a Prime member? Get a free trial…

1,208 Comments

December 20, 2020

Blogmas / Budgeting / Debt Reduction / Money

How to Master Your Money with 38 Expert Resources

Personal finance is so ... well .... personal. What works for me might not be the perfect fit for you, and that's ok! Luckily, there's no single right way to manage your money! I've got some great resources on the blog that share how I like to handle money. However, if you're looking for something different, or maybe you want a lot of options from which to choose, I've got something incredible to share for Blogmas Day 4! The Master Your Money Super Bundle. Clueless about Blogmas? Check out this post from day 1, where I break down exactly what Blogmas is,…

1,482 Comments

December 8, 2020

Debt Reduction

How To Get Out Of Debt: A Step By Step Guide

I remember the first time I opened a credit card. I was 19 years old and had already been living on my own for over a year. It was a $300 limit with about 29% interest, which seems insane today! I didn't know way back then that learning how to get out of debt would become such a huge part of my life.Five or so years later, I would be drowning in around $13,000 worth of credit card debt, borrowing money to keep my car, and feeling like an absolute failure! Fortunately, by 2015, I would be making the payment…

136 Comments

November 29, 2019

Debt Reduction

Make A Debt Reduction Plan With This Free Resource

When you'r first trying to create a debt reduction plan, it can be really difficult and confusing to know what to do! Should you use the debt snowball or the debt avalanche? Do you even know what those terms mean? Which account should you focus on first, or should you just pay them all in equal amounts? Will an extra $50 a month REALLY make that big a difference? Today, I want to share a totally free resource with you that I love to use when I'm trying to establish a debt reduction plan. It's going to help you answer…

1,484 Comments

October 27, 2019

Debt Reduction

No Spend Month Update Week 4

We Made It To Our Last No Spend Month Update! Can you guys believe it? September is already over! This will be our last No Spend Month Update for Slow Spend September, and we made it a whole month without losing our minds! If you'd like more information about why we chose to do a No Spend Month and how we planned for it, go here. Also, check out our previous No Spend Month updates. Click the following links to read our Week 1, Week 2, and Week 3 recaps of Slow Spend September. Problems and Projects is a participant in the Amazon…

220 Comments

September 30, 2019

Debt Reduction

No Spend Month Update Week 3

Welcome To Another No Spend Month Update Yes. I am still playing catch up from life getting in my way at the end of week two! Be sure to go back and check out this post to learn all the details about our Slow Spend September Challenge. Click here to read our fist no spend month update, and here to read our second no spend month update. Problems and Projects is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This post…

1,611 Comments

September 29, 2019

Budgeting / Debt Reduction

No Spend Month Update Week 2

Welcome To Our Second No Spend Month Update! This No Spend Month Update is so late! You know how sometimes life happens? That's been the case for the last couple of weeks. Right during that transitional time between writing this update and starting week 3, I go so sick. Like, home from work for days, lying on the couch trying to muster up the motivation to move sick. Then, right about the time I started to improve, Baby Girl came down with pink eye and an ear infection simultaneously and had to be kept home. So, here we are, halfway through…

972 Comments

September 29, 2019

Debt Reduction

No Spend Month Update Week 1

It's Our First No Spend Month Update Ever! I can't believe we are already a week into our first ever no spend month and posting our first no spend month update. Be sure to go back and check out this post to learn all the details about our Slow Spend September Challenge, why I prefer to say low spend, and how it will help us get our budget back on track!When we first decided to have a low spend month, I must admit I was nervous. I thought it would be impossible, and I just knew I would miss out on…

763 Comments

September 8, 2019