I don’t know about you, but gas prices for us have been wreaking havoc on our budget. We’ve been looking for (and incorporating) all of the ways we can save on gas and pay less at the pump to combat the sky rocketing prices. So if you are wondering how you can spend less money on gas and pay less at the pump, you are in the right place! Drive less. The first and most obvious among the ways to save on gas is to simply drive less. Avoid leisure drives for now, and do your best to car pool, take public transit, walk, or bike to the places that you need to go. Your budget will thank you in kind.&n ..read more

Love is in the air! Maybe not the romantic kind of love but the self care kind of love and the TLC kind of love you should feel towards your finances. If you’ve been neglecting your finances a little or just need a quick refresh, here are the best ways to show your finances some love.  AUTOMATE BILLS AND DEBT PAYMENTS  One easy way to show your finances some love is to set up automatic payments for your bills and debt payments. This helps you avoid unnecessary late fees. Late fees are literally the worst. Who likes spending money on nothing? Not me. Certainly not you. Show your money ..read more

Debt stressing you out? Grab the Paidback app (it’s free) and automate your debt payoff. It’ll take the stress out of it and allow you to be debt-stress-free.  Debt is the biggest cause of financial stress. And it can take a serious toll on your mental health. It’s probably no surprise that debt impacts mental health, and if you’ve got debt, you’ve likely experienced the pain it can cause. Here’s what causes financial stress, how it impacts your mental health, and most importantly, what you can do about it.  WHAT CAUSES FINANCIAL STRESS  There are many different things that can ..read more

Ready to get your finances in order for 2022? Getting your finances in order can feel like a lot of work, but spending just a little time getting everything straight can set you up for financial success in 2022. Here’s how.  I love the month of January for the reflection it inevitably seems to bring each year. I usually get a renewed sense of hope that I’ll be able to tackle all of my financial goals. So, if you’re like me hoping for a good 2022 (at least as far as our finances are considered), here’s how to get your finances in order for 2022.  DO A LIFE AUDIT AND SET SOME GOALS Sta ..read more

The easiest way to get out of credit card debt is to download the Paidback app, where you can track your debt payoff progress, get custom AI debt payoff recommendations, connect with a community to support you, and discover sneaky ways to save money on your debt.  Credit card debt can feel absolutely crippling. It can seem like no matter what you do, you’ll never get out of it. If you’ve got credit card debt, you’re in good company. According to Yahoo!, 14 million Americans hold over $10,000 in credit card debt. There’s good news. Credit card debt doesn’t have to way you down, and it’s ac ..read more

House hacking is worth it when you take the proper precautions, such as doing research on the property you are purchasing, ensuring your property is properly zoned for a rental space, and that your rental areas are up to code.  Last year, we bought a house. On our property sits a 3 bedroom 2 bathroom guest house that we rent out as a short term/vacation rental, mostly using AirBNB. The money that we earn covers our mortgage every single month– plus some. This is commonly called house hacking– where you buy a property that has two or more living units on it, you live in one, and you rent o ..read more

Can Biden cancel student debt? And if so, would he actually do it?  And and if he would how much would Biden forgive per borrower? These are the kinds of questions circling around student loan debt in the United States right now. The answers are of course, not very clear. But here are a few things we do know. The Biden Administration doesn’t think Biden can cancel student debt. It’s hard to advocate that Biden can cancel student debt when he does not appear to believe he can do so. President Biden does not believe he has the authority on his own to enact wide scale student loan forgi ..read more

You can consolidate credit card debt without hurting your credit by being mindful of your credit utilization and waiting until you have an offer before allowing a lender to do a hard credit inquiry.  I think I speak for all humans every where (except for bankers) when I say, credit card debt is the absolute worst. Its high interest makes it nearly impossible to pay off when you simply stick to your minimum payments. It’s also easy to get slapped with late and annual fees. And it’s easy to fall in the trap of accruing more and more credit card debt which can obviously harm your credit scor ..read more

Looking for an app that helps you pay off debt? We got you.  Paidback is an app that helps pay off debt.  I don’t know about for you, but for me, paying off debt initially felt extremely overwhelming. There are so many different conflicting opinions on which debt to pay off first, whether you should pay off debt ahead of schedule or save, whether to take on debt to help you meet financial goals (like starting a business or buying a house). It can leave anyone feeling extremely put out, to say the least.  But not with Paidback.  Paidback makes paying off debt simple and even ..read more

Ready to learn how to manage your money when you have ADHD? You can make small changes that will have a big impact on your finances, starting with creating visual cues to keep your financial goals at the forefront of your mind.  Keep your mind on your money and your money on your mind.  Research shows that having ADHD can make even harder for you to manage money than the average person. People with ADHD are also more likely to be in debt and live paycheck to paycheck. I was diagnosed with ADHD at the ripe age of 33. I always struggled with inattention, especially when it came to orga ..read more