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: Using Nair (Grooming)

 

As a Special Education teacher, I would have parents often ask me about ways to groom their students i.e. hair removal, hair care, and other things. Many of them were worried about their students hurting themselves or using too much of a given product and making a mess. I would often recommend things like Nair, a hair removal chemical that for the most part is safe but would require some supervision. I like Nair because it is quick, cheap, and does not require a lot of work. I typically use Nair every two weeks on my underarms, legs, and top lip (yes, Ms. Duggan has a mustache!).

Figure 2: This is a photo of the thumbnail for my YouTube video on Adult Daily Living Skills: Using Nair (Grooming)

Now although Nair is a great product to use there are somethings that you should be aware of. Keep in mind that Nair is a chemical, has a strong smell, and should only be left on for no more than 6-8 minutes. If you are someone, who does not like strong smells and has sensitive skin this may not be an option for you.  Also, only put the product where you want to remove unwanted hair. Stay away from your eyebrows, hair that is on top of your head, or anywhere else you want to keep your hair.


Figure 2: This is a photo of Snow White with and without eyebrows

Once you’re ready to get rid of your unwanted hair be sure to wear a pair of shorts so the product does not get on your clothes. When I Nair my legs I squeeze out a nice sized portion onto my hands and pat the product on to my legs and thighs. Be sure to work quick as the product does start to work as soon as you place it on. Once you finish both legs let the product sit for no longer than eight minutes. If you feel any burning or tingling before then be sure to remove it immediately. I then get in the tub, turn on the hot water, and take a washcloth to wipe off the hair. Once you’ve gotten all the hair and product off use some shower gel to wash your legs off. This will make sure all of the product is off and you don’t smell like Nair.

 

Figure 3: This is a screenshot from my YouTube video on Nair. I am washing the product off of my leg in the bathtub with a washcloth.


 

When talking to your student about grooming I would recommend that you introduce Nair by describing the purpose of the product and how to use it safely. How do you remove unwanted hair? Drop down in the comments and let me know!  Check out the video below and tell me if you typically use Nair. Also, don’t forget to purchase a copy of my new eBook where I talk about grooming!  

 

Figure 4: This is a photo of my eBook Adult Daily Living Skills: What’s the Big Deal?


 

Adult Daily Living Skills: Using Nair (Grooming)

Coupon Code: Ms. Duggan

Link for eBook

 

Comments

Popular posts from this blog

Biden to Forgive Student Loans in August 2022?

  Alright folks I’m back with another student loan update! According to CNBC, Biden is set to make a decision on student loan forgiveness by the end of August 2022. Now while I’m not entirely sold that this is actually happening, there are several things for you to be aware of. First things first there is still no clear information on how much will be forgiven. While Biden did discuss student loan forgiveness of $10K during his campaign trail other sources have reported higher amounts of 50K. Of course, none of this is set in stone and we are all waiting to hear something. This is a thumbnail of my latest YouTube video on “Biden to Forgive Student Loans in August?” I am looking at the camera suspiciously while seated in my office. The background is red. There may also be income restrictions of who may qualify for student loan forgiveness. Single folks may have a threshold of 125K-150K while those who are married may be between 250K-300K. There is also some talk surrounding what typ

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

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