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This is a quick update because, due to technical difficulties, I only have an iPad to type this on today. My dad borrowed my laptop a few weeks ago for a project but I haven’t had a chance to pick it up again and my work computer is at the Apple Store until tomorrow. I had hoped it would be ready for this morning but alas, it is not. I almost went to the library to type this but realized (as an IT person) that I would be it would be a terrible idea to log into my bank accounts on a shared computer over public Wi-Fi.

A little bit of hopeful news… my best friend Dan (who is in Ottawa completing a Ph.D.) is interviewing at my work. He did a co-op with us a couple years ago. This is good news because if he gets the job, he’s going to move into my spare room for SIX HUNDRED DOLLARS A MONTH! I am trying not to get my hopes up, but last I heard, they are leaning towards him for the role. This is going to move quickly and we expect that he would be here before March.

I had a very lean weekend and didn’t spend a DOLLAR! It involved homemade bread and eating out of the freezer. I feel silly posting a picture of bread on a finance blog, but I don’t have any finance screenshots for you today. Here it is, my perfect loaf:

homemade bread

Upcoming Posts

Thursday: My budget update and how my spending tracked for January. I started crunching the numbers and they are bad. I’ll break these into categories for you and include screenshots. I’ll brace myself for the deserved criticism.

Friday: The state of my finances. I haven’t given you all the monthly totals in two months! I’m excited to see what kind of progress I’ve made.

I’m completely recommitted to strict finances. Life is going pretty well right now and I have so much energy. I want to crush my debt! I want financial security! And I’m going to get it as fast as I can.

Elizabeth S.

Elizabeth is a single woman in her early 30s, working as a manager at a software company and living in the most expensive city in Canada. She hopes to blog about her journey to eliminate debt and build savings for home ownership someday. Whenever she has taken two financial steps forward, she’s always taken a step back with a bad credit card purchase (we’re looking at you, unnecessary iPhone of May 2019). Elizabeth lives alone with her fur kids, a dog and cat, and when she’s not in front of the computer, she enjoys running, camping, reading, and baseball.

Car Insurance in exchange for College Classes

by Hope

I’ve had an idea rolling around in my head the last few weeks and I want to get the BAD community’s feedback. Princess will be starting a job soon. But she will really only be able to work one or two short shifts a week for now. So she will only be earning spending money for the time being.

She will continue to participate in cheerleading through the basketball season and then will be participating in track and field as well. She will be throwing the discus and shot put for the first time ever. (Her choice.) And of course, carries a heavy load of school and all that comes along with that.

And she will become a legal driver come May.

With that back history, I have been thinking of offering to pay for her auto insurance through the summer IF she will take a full load of college classes through the summer. That would be a full semester of college completed for free under Georgia’s dual enrollment program. Another way to cut back the financial obligation for her to complete a 4 year degree.

She would still have to work, and I believe would be able to work more than 1-2 shifts. So she will still be earning her spending money and saving some. But it will take the financial pressure off. And allow her to get another semester of college done before graduating next Spring.

(The car situation is still up in the air. Her father is still insisting he will purchase her a car so we are making this plan with that in mind. If he doesn’t, she and I will share our current car as planned.)

So in essence, I am offering to pay her auto insurance in exchange for her to go to school time through the summer. I believe it’s a good bargain. What do you think?

Hope

Hope is a resourceful and solutions-driven business manager who has spent nearly two decades helping clients streamline their operations and grow their businesses through project management, digital marketing, and tech expertise. Recently transitioning from her role as a single mom of five foster/adoptive children to an empty nester, Hope is navigating the emotional and practical challenges of redefining her life while maintaining her determination to regain financial control and eliminate debt.

Living in a cozy small town in northeast Georgia with her three dogs, Hope cherishes the serenity of the mountains over the bustle of the beach. Though her kids are now finding their footing in the world—pursuing education, careers, and independence—she remains deeply committed to supporting them in this next chapter, even as she faces the bittersweet tug of letting go.

Since joining the Blogging Away Debt community in 2015, Hope has candidly shared her journey of financial ups and downs. Now, with a renewed focus and a clear path ahead, she’s ready to tackle her finances with the same passion and perseverance that she’s brought to her life and career. Through her writing, she continues to inspire others to confront their own financial challenges and strive for a brighter future.

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Car Insurance in exchange for College Classes