How I Stay Fit & Healthy (Without Paying for a Gym)

How I Stay Fit & Healthy (Without Paying for a Gym)

Changing Habits
If I ever counted up the amount of money I'd spent trying to get and stay fit, it would probably make me sick. I've hired personal trainers, I've joined gyms, I've paid cancellation fees to leave gyms, I've done Crossfit, I've played roller derby, I've bought home weights, I've bought online workout programs. I think I need to lie down. Now that I've drastically reduced what I spend so I can pay off $40,000 in debt, I've had to find cheap-to-free ways of staying fit. Okay, you say, so you just go outside and you run. Right? Yeah, but obviously, I have no interest in doing that. I am not the sort of person who just "goes for a jog." That's just not me, man. I wouldn't say I'm weak…
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Paying off Debt: Another One Bites The Dust!

Paying off Debt: Another One Bites The Dust!

Debt
There is no feeling quite as sweet as paying off debt, and today I said sayonara to one particular debt that haunted me with its stench of bad decision. An "interest free" purchase I made and obviously didn't pay off in time and was therefore paying interest on is gone! When I started seriously paying down my debt in September 2015, I had nine separate debts totalling around $60,000. Today, I have four – my student loans (~$30k), a personal loan (>$5k), a credit card (<$5k) and a tax debt (<$1k). My projected income and expenses for the rest of the month tell me that I’ll pay off my tax debt when my next pay comes in, in two weeks time. The thing is, my tax debt is interest-free. Whereas my credit card and…
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Where’d my Money go in November?

Where’d my Money go in November?

Debt
Here’s where I lay it all bare, and show you, play by play, my November expenses. You can also spy on my monthly expenses for October here. I use Pocketbook to track every cent I spend each month, then break it down here. There’s a lot of power in ruthlessly tracking your spending, especially if you really respond to self-emotional manipulation. Much in the way you might decide against eating a second slice of cake because you’ll have to track the calories, I have found myself choosing not to buy things just so I don’t have to face seeing the purchase in big, fat, black and white letters on my end-of-month expense report. November's household/utility expenses were pretty great; this is partially the result of my sick as experiment in eating vegetarian…
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