Articles: Get Out of Debt, Manage Your Money, and Live Debt Free

How to Ask for a Raise and Get It: Beating the Gender Pay Gap

How to ask for a raise and get it. Beating the gender pay gap. Are you a woman who wants to make more money at your job? If so, it’s time to learn how to beat the gender pay gap by asking for a raise and getting it.

Details are below, but first let’s talk about what your male coworkers are likely making. Why? Because getting a raise starts with talking salary — and not just here. You need to do it in your regular life too. (If you’re curious, being told to keep your salary a secret is often illegal.)

So you DO talk salary with the other employees at your job, right?

No? You’re not alone, but I highly recommend changing that.
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How to Track Your Spending So It Actually Makes a Difference

How to track your spending so it actually makes a difference “Track your spending!” they say. “It’s so important!”

And so maybe you dutifully add up all of your expenses at the end of the month. (Or maybe you don’t.)

But here’s the thing:

Do you know why tracking your spending is so important?
And do you know how to track your spending so that it makes a difference in your life?

If your answers to those questions are no, you’re not alone.
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8 Things You Should Always Negotiate the Price of

8 things you should always negotiate the price of Negotiating prices is quite an informal culture. It’s a way to bargain so that you pay less or get a better deal. However, it’s not always easy to determine which items come with a set cost. You may be surprised to learn how many products you can at least try to negotiate on before buying.

This article will cover some of the most important purchases to negotiate rather than simply accepting at face value. Knowing this will help you avoid leaving money on the table and spending more than you need to. This is especially important when making a major purchase.
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Our Debt Free Story: Paying Off More Than $147,000 in Debt

Our story - how we paid off over $147,000 in debt, including our house (I’ve recently updated this post to add detailed info about our income.)

As the creator of this site, I’m really happy to finally be able to tell our OWN debt free story here today. Of course I’d love to to see your debt free stories here too!
So here goes:

We’re officially debt free! We’ve paid off approximately $147,106 in debt — including our mortgage. (About $52,000 of that amount was consumer debt.)

~ Check out the debt app I created to help you do the same ~

Tell someone that you’ve paid off your house (along with a slew of other debt over the years), and you’re likely to get responses like these:

1. How did you do it?
2. How long did it take?
3. I wish I could do that.

Well, let me speak to that last response first: You CAN get out of debt. You don’t need debt to get ahead, or to buy the things you want. You can stand on your own two feet — saving for emergencies and the things you’d love to do. (Stuff you probably can’t do very easily right now, in fact, because of all the payments you’re making.)

Becoming debt free is totally doable, so long as you’re willing to do what it takes.
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