no spend, no buy, just no no no day

I spend money every day. I tap my debit card or my credit card so many times a day it’s crazy. Recently at work some one said to me they can only use 12 debits a month on their debit card. I was literally in shock. I think sometimes I use 12 debits a day. One might think out of control. I have been working hard at not spending money and following my no-buy rules …  really, everyday, I am learning new tricks to get out of my house, do free things or get those projects done  – but not spending is a fucking challenge for me.

Last week I caught a post on Mixed Up Money’s twitter of a recent blog post & YouTube video about a 72 hour No-Buy – fucking crazy right?! ….

And then you can see what happen:

idea-born

If you guys are into some sassy ass, money saving awesomeness  – you should read her stuff. I literally promise she has nothing to do with this, I am not getting paid or being sponsored. I am not that internet famous yet. That will be next month. jk’s. Just dreaming big. I digress.

So while I strive for minimalism, organization, and a weekend I SOOOOOOOOOOO needed to relax after all the work I have been doing. I successfully completed a full day -no-buy and I vlogged the shit out of it.

How d’you like them apples?!

xoxo,

C

ps; You can follow me on Twitter here <3!!!

debt debt debt debt debt debt debt debt

It is all consuming!

Student Loan debt.

It’s the bane of my existence.

Have you ever dumped “student loan repayment” or “student loan debt” into Google and seen all the personal bloggers talk about the enormous amounts of student loans that need a monster pay off.  It is crazy the amount of student loan debt that people carry. CRAZY! Some of those blogger around 100k … how does a school, government or country even allow this shit to happen?! It is appalling the price we pay for education which for a lot of people lands them a job teaching English in Asia trying to figure out a way to pay it all off. Or working multiple jobs trying to crush that debt so they can move on with their lives.

I am know different. I have had student loan debt since 2003 when I moved to Nova Scotia to finish my undergraduate degree. I then acquired more debt starting in 2012 when I moved to Alberta to do a diploma in hopes to find work in Canada that paid a decent salary.

Currently, 2017 …. I moved to Edmonton about 18 months ago with a seriously large amount of commercial debt (on top of student loan debt and with an addition of car loan debt). My biggest spiral that caused problems mostly came from NSF charges from my bank accounts. I wouldn’t be able to get a stop payment in or it wouldn’t be possible and then because my credit isn’t good enough for an overdraft I would spiral. Then all of the sudden I am living in a dire situation. Anyway – my point is. I moved to Edmonton, found some cheap housing and I fucking hustled. I paid down all that excess debt with the exception of my car and my student loans. I, like everyone else, experienced fatigue; working 2 jobs is soul sucking. I experienced debt fatigue; I booked some trips abroad to feed my soul. Fell back into a debt routine. But that large debt – it is still looming, 10 years after graduating with my degree and 2 years after SAIT and it is still holding me back.

So here I am on Blue Monday in January of 2017  – the most depressing day of the year – and realize I need to figure out a way to move forward with student loan repayments. So I am on the internet looking for ways I can make this the easiest, quickest, most painless way to get my debt paid down, and feel the freedom and a zero debt balance.

I think I need some accountability for debt repayment. I need a no buy. I need to put my foot down and move forward with full on annihilation of Student loans. So I am starting with asking you, the interwebs, for your best tips and tricks and how you did it? How did you power through 50K of student loan debt?