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The Department of Education Changed the rules for student loan forgiveness

 The Department of Education has "silently" changed the rules to student loan forgiveness that will affect at least 800,000 borrowers. On September 29, 2022 the Department of Education made a few changes for those who obtained the Perkin's and Federal Family Education loan.  Here is the language directly from the Dept of Education "As of September 29, 2022 borrowers with federal student loans not held by ED cannot obtain one time debt relief by consolidating those loans into direct loans". Previously individuals who did obtain theses loans were able to receive loan forgiveness. Figure 1: This is a thumbnail of my latest YouTube video "Student loan forgiveness guidelines have changed" where I am sitting in my office while looking at the camera with a suspicious look.  Many speculate that potential lawsuits could be the reason why the Dept of Ed has changed it's language recently. Long story short the banks who insured these loans will not receive an

Adult Daily Living Skills: Shopping at Dollar Tree

 

This past weekend I met up with the owners of a residential home for individuals with disabilities to talk about offering a few services for their residents. Before I stopped by, I decided to swing by Dollar Tree to pick up a few things to do a quick demonstration from a recipe in my new eBook. As you know, I am on a debt free journey and I don’t spend anything that I don’t need to. This can definitely be easy to do when everything is a dollar! With my cash envelope in hand and my list on my phone, I decided to record a video of how I typically shop at Dollar Tree.

Figure 1: This is a thumbnail of my YouTube video on Adult Daily Living Skills: Shopping at Dollar Tree”.


When shopping you want to ensure that, your list is easily accessible to help you in sticking to your budget and not being sidetracked and forgetting something. You also want to shop at a store that you are familiar with this way you can easily find where things are without getting lost or frustrated. Also, be sure to grab a cart as soon as you walk in so you’re not juggling all of your items at once.


Figure 2: This is a picture of a green dollar tree-shopping cart.

 

As I was looking for frozen biscuits in the freezer aisle, I realized that they did not have any. If you run into this problem, be sure to carefully comb over the aisle to make sure that the item you’re looking for is not hiding behind anything. If you still can’t find it locate a staff member to ask for assistance.  If they don’t have the item be sure to make a note on your list that you will need to stop by another store and go on to your next item.

 

Figure 3: This is a photo of three Dollar Tree employees.

 

Once you’ve finished getting each item head to the front of the store to check out. If you’re like me you look for the shortest line which is very hard in Dollar Tree! I place my items on the conveyor belt neatly so that I can see everything that I will be purchasing. It also helps the cashier to scan each item when they are organized. Do you shop at Dollar Tree? If so, what are your tips for shopping? Drop down in the comments and let me know! Be sure to check out my latest video on how I shop and don’t forget to pick up a copy of my latest eBook Adult Daily Living Skills: What’s the Big Deal?

 

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Coupon Code: Ms. Duggan

 

 

 

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