Selling RDS & Moving On

Hi everyone! I just want to thank you all so much for visiting RDS and being a part of our journey here. I am streamlining my business and will only have one main website going forward (at one point I had 5!) As such, I have sold RDS. Kayla will continue writing for the site so you will still have great content here, and I hope you will consider still supporting the site’s mission which is to make others aware of debt and encourage each other to pay it off.

Thanks for everything!



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Have You Mastered Both Sides of the Financial Equation?

I’ve never really enjoyed math, so I guess it’s not surprising that I just can’t seem to master both side of the financial equation: increased earnings and low spending.

Human behavior, particularly my own, can be really frustrating at times. When I started living on a budget a couple of years ago, I was very, very careful with my money. For the first few months I stuck to my budget very diligently each month. Even still, I wasn’t making a huge dent in my debt because I didn’t have that much money to throw at it beyond the minimum payments.

During this time, I really had the budgeting side of the financial equation figured out. If I was ever over budget it was only by a small amount in the eating out category. (Go figure, right?)

Fast forward a few months and I started freelancing so I could earn more money and pay off my debt quicker. In my mind, this was how I was going to get ahead, by mastering both sides of the financial equation – high earnings and low spending.

Instead of throwing every extra penny toward my debt though, I used freelancing as an excuse to order pizza or go out to eat more often because “I didn’t have time to cook.”

Then as my online income picked up even more and surpassed the point that I could eat away all of my income, I got lax in my other areas of my budget. I started spending more on clothes and shoes again, I started spending on things for my house that weren’t 100% necessary, etc.

In fact, last month I made over $4,000 online which is more than I made at my day job and yet I still wasn’t able to put very much “extra” toward my debt because of increased spending, aka lifestyle inflation.

I decided that this month, November, would be the month I changed that behavior. Then I went out-of-town for the weekend.

I only did a little shopping for myself. I picked up a couple of pairs of yoga pants and pajama pants and one new long-sleeved shirt. I also didn’t watch my travel budget very closely while I was gone and I ended up driving into the city with my BFF on Saturday which resulted in extra spending on gas that I hadn’t budgeted for too. Those things combined with the Christmas presents I picked up for my friends and family lead to over spending my budget and not being able to put extra toward my debt once again.

What is wrong with me!?

I say I want to be out of debt, and I do, but then I go and blow my “extra” money every month which makes my debt progress very slow and sometimes non-existent.

Now that I’ve finally got the earning side of the financial equation working in my favor, I can’t seem to get my spending back down to create a surplus for debt every month.

This is very frustrating to me as I start off every month with the best intentions and always wind up over spending all of my “extra” money.

Do you have this problem? Have you mastered both sides of the financial equation? How did you do it?

October 2015 Blog Income Report

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I don't watch a lot of TV these days because I consider it to be a mostly time-sucking activity that doesn't add a lot of value to my life. Maybe that's because I mostly watch trashy TV - AKA reality TV and ABC Family. #dontjudge Although my … Continue reading...

4 Ways to Beat Any Kind of Burn Out

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Burn out is something I've always been a little afraid of. After working basically two full-time jobs for 6-7 months straight, I was afraid that I'd burn out completely and have a major debt setback. Luckily, even after quitting my full-time job I … Continue reading...