What I Learned By Rebuilding My Finances With a Second Job
I thought long and hard about getting a second job to get my finances on track, but for much too long my ego stood in my way. But as they say, if nothing changes, then nothing changes.
Kelley Olinger
Kelley Olinger is a freelance writer, blogger, and Realtor. Having paid off $77,000 of debt in one year and ten months, Kelley is passionate about helping others craft prosperous lives while mastering their finances.
5 Keys to Budgeting With Irregular Income
How to budget for irregular income: Big lump sum income, followed by zero income, is familiar to contractors, freelancers and commissioned salespeople. But even those willing to adhere to a budget struggle with managing their irregular income.
What My Partner Doesn’t Know About My Money Habits
I once racked up an insane amount of debt. To repay that debt, I relied entirely on budgeting. And when I began budgeting, it quickly became an obsession.
Shame Isn’t a Strategy: Rewire Your Mindset About Debt
Debt doesn't define you. Take the time to forgive yourself. When your internal dialogue starts speaking to you negatively, try and interrupt it with a more positive message.
How I Tackled $77,000 of Debt in Only 22 Months
My consumer debt totaled $77,000. Interest alone cost $660 per month. I felt fear, shame, frustration, and exhaustion. But in less than two years, with razor focus (and a budget and second job) I paid my debt in full. My goal wasn’t just debt freedom: it was the vision of an incredible life.
6 Behavior Hacks to Help You Defeat Debt
Good news: your circumstance and personality don't need dictate your financial success. Wealth isn't a result of dumb luck; it's the result of learning, tracking, and adjusting behaviors.
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