Fewer than 1% Received Loan Forgiveness!

If you are relying on Public Service Loan Forgiveness (PSLF) for your federal student loans, know this. Data suggest that only 0.003% of applicants have had their loans forgiven! Here’s why many applications were denied. I also discuss my decision for paying off my loans without using a repayment program, thereby saving thousands of dollars in interest (and buying my freedom)!

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DIY Halloween Costumes

Halloween is huge in my family. Not only do the kids want costumes for trick-or-treating, but school has the Character Parade during which they dress up like a character from a book. Of course, the kids want different costumes for their character parade and trick-or-treating. I’m not about to buy two costumes each year. But I don’t sew. So we’ve started to get creative making DIY Halloween costumes with items we already had.

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My Month of Eating Junk: Is Fast Food Really Cheaper?

The average American eats fast food an estimated three times per week. This month, my family experimented with being normal. We ate fast food during weekend days (Friday, Saturday, Sunday, and a holiday off work) for an entire month. We recorded the effects it had on our wallets (and my waistline). Is fast food really cheaper than homemade meals?

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How to Save Money in Grad School

I have some regrets about my spending in grad school. Even with a tuition waiver and stipend, I took out tens of thousands of dollars in student loans. Six months after graduating my repayments started, and my loan payments were as much as my rent! I’ve always been frugal, but looking back there were many things I could have done differently to save money in grad school.

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The Year of Free Entertainment Experiment

My family usually receives annual passes to places like the zoo, aquarium, or children’s museum. Last year we had passes to a theme park. After going a few times my oldest child asked, “Do we have to go?” (first world problems, I know).

This year, I decided to forgo passes and avoid most places where tourists would go. Instead, we looked up the free (or nearly free ) events in our area and went to as many as we could. So how did our year of free entertainment experiment go? Continue reading The Year of Free Entertainment Experiment

Secret Ingredient for Low Cost Meals

I love saving money on food. But with a busy life, I don’t have much time for meal planning. Recently, I found a secret ingredient to lower my grocery bill without clipping coupons, matching prices, or shopping at crowded (and expensive) warehouse clubs. It’s Buy One Get One (BOGO) free deals!

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20 Best Electricity Saving Tips

The #1 question I receive is how I get my grocery bill so low averaging $400 per month for 5 people. But the #2 question I get is how we keep our electricity bill so low. You already know to turn off the lights when you leave the room, but there are some things you can do to have a much bigger impact on your electric bill. Here are the 20 BEST electricity saving tips for lowering your energy usage and saving money!

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