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
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.
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
Coupon Code: Ms. Duggan
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