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My One Year Student Loan Payoff Update

  January 28, 2022 marked my one year anniversary of paying off my student loans . Reflecting back on choosing to pay off my student loans leaves me with several take a ways that I want to share with you! In September 2020 I decided to become debt free by utilizing the debt snowball method to pay off all my debt. Before this I had struggled to save and really understand basic financial principles. As a first-generation college student, I received a scholarship to attend undergrad for free, but the scholarship did not cover summers. During the summers I took out student loans to cover costs without paying interest rates or how much I was taking out. By the end of undergrad I had amassed a little under $17K. Fast forward to graduate school I received another scholarship that covered my education. At the time I was a teacher in a new very expensive city and I had missed the cutoff to have my paycheck last me throughout the summer. So, I decided to take out a loan for two summers to keep

2021 Goal Setting


(This is a thumbnail of my YouTube video on 2021 Goals.)




We are a month out from 2021 wheww 2020 has been a ride ! With the New Year upon you may be thinking of hopes and dreams for the future. Well what are you waiting on? 2021 starts now so let’s get started!


1.       When goal setting start out with making a practical list that has no more than 5 goals. I personally will be working on three for the New Year.

2.       Use the SMART Goal technique to organize or plan your goals.

·         Be specific by narrowing your goals down to what exactly it is you want.

·         How will you measure or track your progress?

·         Are your goals attainable? Do they make sense?

·         Make sure that your goals are realistic and they align with what your long-term goals are.

·         Create a time-based component so that you know when you want to have your chosen goal completed by.

3.       The most important part in goal setting is RESEARCH! You can’t get to where you want to go without researching the necessary steps to get there.

4.       Remember 2021 starts NOW! Are you ready? 

Check out my YouTube video on goal setting for more information! Be sure to like, share, & subscribe ! 


Adult Daily Living Skills: Black Friday Shopping


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