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: Ms. Duggan Makes a Brown Sugar Scrub

 

So if you’ve been following my blog and/or YouTube you know I like to indulge in a little self-care from time to time and I even consider it to be an independent living skill. You may have seen my videos on at home manis/pedis and a virtual painting classes where I take a little time out for myself to do something fun. I am actually teaching a course on domestic violence right now and this past Saturday we spoke about self-care. Self-care is typically not thought of as much when talking about domestic violence but it is a major component in recovering from the traumatic events that DV brings.


Figure 1: This is a thumbnail of my latest YouTube video on ADL: Ms. Duggan Makes a Brown Sugar Scrub with a picture of Coconut Oil, Peppermint Oil, and Brown Sugar. I also have a picture of the scrub on my hands.



As I was going over my PowerPoint, I thought to make a self-care item for my class as a special surprise. I saw a recipe for a DIY scrub that I had the materials for so I thought I would give it a shot. The Brown Sugar Scrub that I made only had three ingredients: Brown Sugar, any kind of oil (I used Coconut Oil), and the optional use of an essential oil (I used Peppermint), which made it pretty easy to follow. I mixed all of these items up in a bowl and placed them in individual plastic jars that I bought from Michael’s. The scrub itself felt very moisturizing and smelled amazing! I even added a personalized label that read “Hey Queen! Have you practiced your self-care today?” with a list of the ingredients used to make the scrub.

Figure 2: This is a picture of the scrub on my hands. It is brown with white pieces of Coconut Oil.

 

What’s your idea of self-care? Are you into making DIY items? If so, what do you typically make? Drop down in the comments and let me know! Be sure to check out my latest YouTube video and tell me what you think of the scrub!

 

SUBSCRIBE: Ms. Duggan Makes a Brown Sugar Scrub

PURCHASE MY EBOOK HERE: Link for eBook

Coupon Code: Ms. Duggan

 




Comments

Popular posts from this blog

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

How to Get a Free Doctoral Degree

Hey Guys! It’s been awhile right?! I know but I am back and ready to give you all the information you need! If you missed it last week on my channel , I discussed how you can get a free doctorate degree. If you’ve been following my doctoral journey, then you know that I am currently working towards my doctoral degree in higher education. I recently finished all of my coursework and I am officially working on my dissertation proposal this semester. I chose to work at a university so that I could not only work with students but so that I could also receive a discounted education. In the beginning of my journey, I received a $1,600 stipend towards my courses, and I paid fees out of pocket. I also received several scholarships along the way that helped to cover most of my fees. Last year my university decided to cover doctoral degrees at 100% for all professional staff which was a major benefit. While I understand that most folks do not want to join the education world don’t let this s

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