Six Figures Under

Debt Tracking Tools: How do you keep track of your debt payoff?

January 15, 2014 by Stephanie 28 Comments

Now that you’ve set a Debt-Free Date and made real sacrifices, how do you keep track of your progress? Do you have a spreadsheet that you update monthly? Do you rely on your loan statements? Do you have an app or program that you use? Up until recently we only used an Excel spreadsheet. We […]

The Power of Asking– Simple Questions Have Saved Us Thousands!

January 13, 2014 by Stephanie 20 Comments

You might be surprised how easy it can be to save money on your monthly bills and beyond! In many cases it is just a matter of asking to pay less. Here are four examples that teach four principles that you can apply to your own situation. How much money could you be saving? Rates […]

Saving on Shaving

January 10, 2014 by Stephanie 30 Comments

My husband has the gift of facial hair. He’s the kind who has a five o’clock shadow that some men can’t even grow after a week. There’s no need to be jealous though, it’s more of a curse. While laziness might lead him to let it grow, he shaves everyday (except Saturday) to maintain his […]

What are You Willing to Give Up to Get Out of Debt?

January 8, 2014 by Stephanie 41 Comments

In our last Debt Discussion, we talked about Deciding on a Debt-Free Date. Now that you’ve nailed down a specific date or time-frame that you’d like to have everything paid off, let’s look a little closer at the “how” of reaching your goal. Assuming you aren’t still adding to your debt, paying it off is […]

How we paid off $36,000 of Debt in 2013

January 7, 2014 by Stephanie 34 Comments

At the end of 2013, we reached an exciting milestone in our debt repayment adventure. We are now less than Six Figures Under. We have less than $100k of debt! We have paid off $40,000 of debt so far and $36,000 of it was in 2013. Those who are regulars around here have a good […]

December 2013– Debt Repayment Progress Report

January 4, 2014 by Stephanie 11 Comments

Debt Repayment In December we put $852 toward debt. Definitely not stellar, but it’s just barely enough to drop us to less than Six Figures Under. Having debt of less than $100,000 is worth celebrating. Income Regular: $3,175 (after taxes) Etsy: $300— A little better than last month, but well-below average. All of the month’s orders came […]

We’re Not Six Figures Under Anymore!

January 1, 2014 by Stephanie 22 Comments

Happy New Year! To celebrate the new year, I am excited to announce that… We’re not six figures under anymore! You’ll have to wait a few days for our official monthly debt repayment progress report for December with all the details of our earning and spending, but I thought the milestone of getting our student […]

Deciding on a Debt-Free Date

December 18, 2013 by Stephanie 41 Comments

If you are currently working on paying off debt, have you set a “debt-free date” yet? I’m not talking about going out with your spouse without using a credit card. I’m talking about a date on the calendar when you plan to be completely out of debt. If you haven’t set a goal for when […]

6 Reasons to Get Kids Clothes Secondhand

December 16, 2013 by Stephanie 21 Comments

More often than not, the clothes we buy for our kids are secondhand clothes. As long as they are in good condition, they fit well, and we think they are cute, we have no problem with used clothes. You can call them “pre-owned” or “pre-worn” if it makes you feel better. Here are six of […]

Is Santa Shooting You in the Foot?

December 13, 2013 by Stephanie 20 Comments

Oh you better watch out… and I’m not talking about being naughty or nice. I’m talking about raising kids. Is Santa helping or hindering your parenting goals? Is Santa over-stepping his bounds? Is Santa shooting you in the foot? Ever since having kids I have wondered how to work the whole Santa thing. Here are […]