Posts in DEBT
6 Money Mistakes That Will Crush Your Financial Future
6 Money Mistakes That Will Crush Your Financial Future

You’ve probably heard the phrase “the future is now,” but have you ever really stopped to think about what that means? The choices we make today determine what our future will hold. The way we are living life today affects how our future will unfold. From a financial standpoint, that means if you’re making money mistakes today, your financial future could be at risk. You cannot wait to save for retirement until the last minute. Compound interest is based on time, so you want to start saving money as early as you possibly can. No matter if you’re starting just in time or you’re a little late, there’s no better time to start than today.

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FRUGAL LIVING, LIFE, SPENDING, DEBT, RETIREMENTJess TinglePERSONAL FINANCE, FRUGAL LIVING, DEBT, BUDGET TIPS, SPENDING, SAVINGSComment
16 Ways to Save Money At Christmas
16 Ways to Save Money At Christmas

If you want Christmas to still be the most wonderful time of the year without going into debt, you can be more intentional and impactful with your spending and your savings. Not only do you need to plan ahead for Christmas by setting aside the cash early, but you need to cut expenses and save money where you can. Here’s 16 tips to help you make the most of your Christmas budget.

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FRUGAL LIVING, SPENDING, DEBTJess TingleHOLIDAYS, FRUGAL LIVING, SPENDING, DEBTComment
How to Plan for a Debt Free Christmas
How to Plan for a Debt Free Christmas

Christmas is a wonderful season of giving and wonder, but the truth is, the season can leave many people in financial trouble because they don’t know how to prepare for it and end up charging everything to credit cards that haunt them well into the next year. But with planning, budgeting, and committing to pay cash for everything, you can choose to have a stress-free Christmas this year (or at least, stress-free financially!).

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BUDGETING, DEBT, SPENDINGJess TingleDEBT, BUDGET TIPS, SPENDING, HOLIDAYSComment
The Starter Emergency Fund and Why You Need One
The Starter Emergency Fund and Why You Need One

If you’re ready to get started saving your $1,000 Emergency Fund to kick start your financial freedom journey, I’ve created a printable Emergency Fund Tracker for you! To download the tracker, just sign up below for my newsletter so you will receive even more tips and encouragement for your personal finances. After signing up, you will immediately be able to download and print the tracker.

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BABY STEPS, DEBTJess TingleEMERGENCY FUND, SAVINGS Comment
How To Get Out of Debt Even on a Small Income
How To Get Out of Debt Even on a Small Income

No matter how big your mountain of debt is, and regardless what you level of income is, you can get out of debt. Paying off debt is more about behavior than it is about math. The debt free journey is going to look different for every person or household, but I want you to have confidence in knowing anyone can pay off debt. You can do this.

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DEBT, BUDGETING, FRUGAL LIVING, SPENDINGJess TingleDEBT, SPENDING, SMALL INCOME, BUDGET TIPS, INSPIRATIONComment
How To Raise a Family And Still Get Out of Debt
How To Raise a Family And Still Get Out of Debt

It is still definitely possible to pay off all your debt while raising a family. Many people have done it before. We have done it. You can do it too. It doesn’t matter if you already have debt and you’re thinking about having kids, or if you already have kids and you’ve realized you should dump all the debt…it’s doable. But you have to get your head in the game. Here are 7 pieces of advice for raising a family while still getting out of debt.

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BABY STEPS, DEBT, FRUGAL LIVING, LIFE, SPENDINGJess TingleDEBT, FAMILY, FRUGAL LIVING, BUDGET TIPSComment
10 Personal Finance Habits You Can Start Today
10 Personal Finance Habits You Can Start Today

Personal finance is more about behavior than anything else, including math! You need to be creating habits with intention if you want to reach financial freedom. There are so many things you can do to turn your finances around and get control of your money (I recommend following Dave Ramsey’s 7 Baby Steps) and while I think all of those big goals are important, it’s also important to put in place the small, everyday habits that are going to help you change your behavior. You can stop living paycheck to paycheck and stop living with money stress, but you’re going to have to change the way you behave when it comes to your personal finances.

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BUDGETING, DEBT, FRUGAL LIVING, LIFE, SPENDING, POPULAR POSTSJess TinglePERSONAL FINANCE, SPENDING, DEBT, FRUGAL LIVING, LIFESTYLE, BUDGET TIPS Comment
Q & A: Should I Tithe While Getting Out of Debt?
Q & A: Should I Tithe While Getting Out of Debt?

I get it. You’re wondering if there are exceptions to the rules of tithing, like when you’re trying to throw every penny you have into your debt snowball. It’s a justified question. But first of all, let’s remember that tithing is not about rules, it’s about giving freely, so make sure you are giving out of love and not out of guilt. Secondly…

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BIBLICAL FINANCE, DEBT, GIVINGJess TingleDEBT, GIVING, BIBLICAL FINANCE, TITHINGComment
How to Reduce Money Stress
How to Reduce Money Stress

So many of us are living day to day feeling overwhelmed and stressed out about the state of our finances. When an emergency comes up and you’re not sure how you’re going to pay for it…stress. When you want to be saving for your future and retirement but your bank account never has anything extra at the end of the month…stress. Let’s talk about some actions steps you can start today to reduce your stress levels.

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DEBT, BUDGETING, FRUGAL LIVING, INSPIRATIONJess TingleDEBT, FRUGAL LIVING, STRESS, BUDGET TIPSComment
Q&A: How Easy is it to Get Out of Debt?
Q&A: How Easy is it to Get Out of Debt?

If you’re feeling like you’re ready to get out of debt, you have to get gazelle intense. This is a phrase coined by Dave Ramsey and comes from Proverbs 6:4-5 which reads “Give no sleep to your eyes, Nor slumber to your eyelids. Deliver yourself like a gazelle from the hand of the hunter, And like a bird from the hand of the fowler. “ In other words, you need work your way out of debt with the same intensity that a gazelle runs away from a cheetah.

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DEBT, INSPIRATION, POPULAR POSTSJess TingleDEBT, GAZELLE INTENSITY, INSPIRATIONComment
6 Ways to be Generous While Paying Off Debt
6 Ways to be Generous While Paying Off Debt

When you’re paying off debt, giving often has to take a backseat. You need to make sure to tithe from your monthly income, but we have to limit giving beyond that so we can get out of debt as fast as possible and then circle back to giving in the best way when the debt is gone. For someone who dreams of giving outrageously, this can feel constricting. But sometimes we forget that giving goes beyond money. We have so many opportunities to give that are not financially costly.

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GIVING, DEBT, POPULAR POSTSJess TingleGIVINGComment
Why You Need to Break Up With Debt
Why You Need to Break Up With Debt

What would life look like if you didn’t have any payments? All those paychecks that come in already earmarked to go to debt payments for purchase you made in the past? What if you were actually in control and could decide what you want to do rather than living by what you have to do? You could do anything you want. That’s financial freedom.

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DEBT, INSPIRATIONJess TingleDEBTComment
You Have Permission To Dream
You Have Permission To Dream

Always remember, you have permission to dream. Sometimes we overthink it. We feel like we can’t possibly dream about what financial freedom looks like because we are so stuck in our current situation. Sometimes we even feel ashamed to allow ourselves to dream of such things that have felt impossible for so long. But the entire purpose of this blog is to convince you that it is possible, and you can do this. And it starts with one simple action step. Giving yourself permission to dream.

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DEBT, INSPIRATIONJess TingleDEBT, INSPIRATIONComment