Skip to main content

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

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?

 

Subscribe: Adult Daily Living Skills: Shopping at Dollar Tree

 

Link for eBook

Coupon Code: Ms. Duggan

 

 

 

Comments

Popular posts from this blog

Fall Refunds are Here for College Students

 It’s my favorite time of the semester…REFUNDS! A few weeks after the semester begins all of your financial aid pays out and if there’s any left over you get a refund! You will know that your receiving a refund if there’s a negative balance on your account. It’s the one time in history where you actually want to see a negative balance!  Figure 1: This is a thumbnail of my latest YouTube video where I am in my office with a surprised look on my face.  This semester I paid $241 in fees and I received a $500 grant for individuals who work at community colleges. Oh yeah  did I mention I work at a community college too part time as a tutor? Anyhoo, since I had already paid off my student account I received the $500 as a refund. If you’ve been watching my YouTube videos or reading my blogs then you already know this money is going to debt.  Figure 2: This is a photo of three $100 bills and three $50 bills. With refunds posting to accounts daily you want to make sure that you are constantly c

Fall 2021 HEERF & CARES Act Funding is Here!! (FREE Money for College Students!!)💵🤑💰

  A few days ago, I was surfing on my universities homepage and I noticed that there was a message at the top regarding summer II HEERF and CARES Act funding. Since I was enrolled in both summer semesters, I decided to send an email to the person listed as the contact to ask if I could receive more CARES Act funding for the fall semester. Since I had been enrolled in the first part of the summer and had already received funding I was not eligible but I was told that another round of CARES Act funding would be given in the fall! In case you did not know HEERF funding is the Higher Education Emergency Relief Act that was enacted for college students due to the pandemic. HEERF provides billions of support in education through CARES Act funding for enrolled students. Figure 1: This is a thumbnail of my YouTube video on “Fall 2021 HEERF & CARES Act Funding is Here” where I am wearing a black shirt with a surprised look on my face. Now while I am not sure on how much you will receive thi

President Joe Byron Student Loan Forgiveness Update

  BING BONG! President Joe Byron has made an official statement regarding student loans. One that many of us were not expecting to hear. Well not me because I suspected this all along hence to why I am paying my student loans off. If you have not heard, Mr. Biden is not extending the federal pause on student loans. That means that on February 1, 2022 you will need to begin making payments again and your interest is back in affect. Figure 1: This is a thumbnail of my latest YouTube video “President Joe Byron Student Loan Forgiveness Update” where I am seated in my office while looking at the camera with a suspicious look on my face. I am wearing a black sweatshirt that reads, “They go low we go high.  As you all know I decided to pay off my student loans about a year ago when I started by debt free journey. Thanks to Jesus and all of my hard work, I am almost there and will update you at a later date on what I did to pay off my student loans. Many folks are in an uproar and feel straigh