New Site

I have decided to move to a paid hosting service instead of using the free blogger. I figured it was easier now while this is still new and there's not a lot of content to move.

savingthechange.com


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The Beginning

I have always had an interest in money (who hasn't), whether that's spending or saving. In my early 20s, I had maxed out 11, that's right, ELEVEN credit cards. This eventually lead to me dropping out of nursing school to pursue a second job. Fast forward about three years, I was still tired of always being broke. I hadn't learned my lesson with the cards, I would pay them off, just to build them right back up. There was one time we literally collected change to use the Coinstar to buy groceries. We very carefully selected $25 dollars worth of groceries because we were scared of going over. Get to the checkout line and realized I had lost the Coinstar slip. We had to walk away from our groceries; our meals for the next week. Fortunately I worked at a facility at the time where I could order food against my future paycheck so that's what I did. Fast forward a couple years later, I had gone back to nursing school and graduated with my LPN (Licensed Practical Nurs...
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The Middle

After graduating, the student loan came in. Since I went to a for-profit accelerated nursing program, my loan was $40,000. For some, that's not a lot. For others, it is a substantial amount of student loans. By this time in my life, the credit cards were paid off (minus one in which I have 0% interest for the life of the card). Even though I was more responsible (so I thought), I only paid the minimum for about a year and ignored the private loan portion of the loan which was $10,000. After a few months of no payments to the school, I received a letter stating that if I paid half the amount by a certain day (I think it was about 30 days from the date of the letter), they would forgive the other half! So I pulled out that credit card and put $5,000 on it that very day. $30,000 left. I am a bit of a workaholic, so I worked about 50-80 hours a week, and paid $1,000 a month on my student loan. After almost one year of doing that, I was tired of paying it off so slowly. I pulled what ...
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