Home > Tag Archives: paying off credit card debt

Tag Archives: paying off credit card debt

Fun Things You Get To Do After Paying Off Credit Card Debt

Debt Freedom

I know there are many readers out there who are struggling to pay off debt. I’m not necessarily talking about mortgages or well chosen student loans, although those can certainly become burdensome if you get in over your head. I’m talking about the big bad debt that comes with high interest payments or a deadline you have to meet before you get socked with even higher interest. We’ve seen our share of bad debt with credit cards, revolving finance plans, and car payments for new cars we didn’t need.  I like to think of this as evil debt because it robs you of choices and freedoms that you can never have unless you are debt free. I’m living proof that you can overcome those type debts, and when you do, there is so much fun to be had! Here are a few of my favorite fun things we’ve been able to do since paying off our evil debts. Use Credit Card Rewards for Free Travel Over the past year or so, I’ve learned so much about how to use various credit card bonuses to earn points and miles for buying things I needed to buy anyway. If you do it ...

Read More »

One Year After Paying Off Credit Card Debt

We’ve had so much going on for the last couple of months that I actually forgot our one year anniversary of freedom from credit card debt. We paid off the last of our $30,000 credit card balance in  on November 27, 2012 and haven’t looked back. In past years, we were able to pay off credit cards, but ran them back up within a few months. What happend this time that kept us out of debt? You Can’t Stay Out of Debt if You Don’t Have Goals We never stayed out of debt in the past because paying off Visa and Mastercard meant lots of available credit to buy more things. We didn’t have a purpose for our money. To keep free from credit card debt, you have to know how much you make, how much you need to spend for necessities, and what your short and long term goals are. If you know what you want to do with your money outside of shopping to cure boredom, it’s easy to plan how to get there. When you don’t have a purpose for your money, it’s easy to spend it on silly things. Now I know exactly how much I ...

Read More »

One Year of Blogging and $100 Giveaway

birthday

August 1st is the official first birthday of Eyes on the Dollar! I would like to take this opportunity to thank everyone who is reading this and all of you who have had read, commented, or shared my content throughout the past year. I won’t name names in case I forget someone, but you know who you are. In a niche where blogs seem to pop up and disappear overnight, it’s pretty sweet to make it to the one year of blogging mark. The fact that I am an optometrist who has no background in any sort of computer training or website management is proof that if I can keep a blog up and running, anyone can. I started this blog because I thought it would be a way to keep myself on track financially after veering way off course over the past few years. It was also a new challenge at a time when my day job was becoming pretty uninspiring. Without even counting the numbers of visits or amount of money I’ve made, I believe this blog has been a key reason for some of my successes in the past year. Sharing your goals and dreams out loud ...

Read More »

12 Facts About Money Everyone Thinks Are True

The following is a guest post from Kevin at Graduating from Debt. If you would like to submit a guest post, please contact me. Money is a huge aspect in almost everyone’s life. Without it we could not eat, sleep, or just live. Below is a list of 12 facts about money everyone thinks are true and the truth behind them. In this article you will learn a bit about financial decisions people make and what they think they know about money as well as what is true and what you can do today to increase your happiness and gain more financial freedom. 12 facts About Money Everyone Thinks Are True 1. Students Graduate school with too many student loans – Although most students do leave school with a lot of student loans, did you know there are ways to pay them down quicker? Just giving up your daily Starbucks run and working while in college can save you lots of money. 2. Owning a house is better than renting – Owning a house costs money. You must pay for everything when something goes wrong. Some people even say the opposite and that renting is the better way to go. ...

Read More »

2012 Recap and 2013 Goals

Before I started blogging, everything was a jumble in my head. I had plans, but nothing written down and no specific time frame. However, there were a few things I wanted to accomplish in 2012, and I did pretty good on achieving those. Here were my top four and a look toward goals I AM writing down for 2013. 1)Start a Blog- I have been reading financial blogs for over a year. I’m not sure when it turned from lurker to commenter to blog owner, but I knew earlier this year that I wanted to give it a shot. When you face your biggest fear, it usually isn’t so bad. In the case of starting a blog, the worst thing would be that no one  reads it. If they do, they might think it sucks. I could live with that, so on August 1, Eyes on the Dollar went live. I still have no idea what I’m doing technically, but I have lots to say, and so far, some of you have listened and been very kind. I don’t think blogging will make me rich, but I do see the potential for earning some income if I can keep it ...

Read More »