Money Management

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Are you looking to learn how to find a free car? Cars are expensive. There’s no doubt about that. Is it possible to get free cars? Getting a free car may sound too good to be true, but it’s possible for people who meet certain requirements, which we will talk about below. In this article,…

Are you looking to learn how to find a free car?

Cars are expensive.

There’s no doubt about that.

Is it possible to get free cars?

Getting a free car may sound too good to be true, but it’s possible for people who meet certain requirements, which we will talk about below. In this article, I’ll show you how to get a free car through different ways, from charity donations to assistance programs, and more.

I understand that there are so many people who would benefit from a more affordable transportation option. After all, a car can be essential to landing a job, getting to work, helping you pick up and drop off your children at childcare (so that you can work!), getting groceries, and so much more.

Low-income families, single parents, individuals with disabilities, veterans and their families, and so many others may particularly benefit from getting free vehicles to improve their quality of life.

Whether it’s making it easier to get to work, taking the kids to school and childcare, or simply attending important appointments, acquiring a free car can have a significant impact on your daily life.

Related content:

Why do free cars exist?

Free cars exist to help people who need transportation.

There are many organizations whose sole purpose is to help you get a free car because they know how much it can change a person’s life.

Below are some organizations that may help you find a free car:

  • Nonprofit Organizations — Some nonprofit organizations give away cars for free to those who need one. They work with local partners and households and accept donations of old cars and used cars, which are then fixed up and given to those who need them. These organizations usually target specific groups of people, such as low-income families, working families, single parents, military families, or disabled individuals, who may find it hard to afford a car on their own.
  • Churches and Private Charities — Churches and private charities may offer car help in your community as well. They usually work on a smaller scale, providing help to local residents experiencing hardships and may just give out a free car here and there. These organizations often rely on donations from members of the community and local businesses, and they require applicants to demonstrate a genuine need for a vehicle. You may need to contact local churches and charities directly to learn more about how to get a car for free.

People donate their used cars all the time. Their reasons may be either because they have no use for the car, they want to avoid the hassle of selling a car, for tax breaks, or they want to help others.

Who can benefit from free cars?

There are many people who can benefit from a free car, such as:

  • Low-income families — If your family is struggling with money and you are finding it hard to afford your bills, you might be eligible to receive a free car if you can show your need to an organization.
  • Single mothers and single parents — Single moms and parents need transportation so that they can get to work and also be able to bring their children to childcare. Not having a car can make this much more difficult.
  • Domestic violence victims — Having reliable transportation can be important for the safety and well-being of domestic violence victims. Some organizations have experience providing a free car in this situation and understand the need for privacy.
  • Disabled individuals — If you have a disability, you might be eligible to receive a free car to help you get around and be more independent.
  • Veterans and military families — Veterans and military families can also benefit from free car programs. There are organizations dedicated to providing assistance to those with a military background, to repay them for their service and sacrifices.
  • Victims of natural disasters — If you have experienced loss from a natural disaster, then you may benefit from many charitable free car organizations.

Of course, there are many more people who could benefit from finding affordable transportation as well. This is not a full list of those who might need a free vehicle.

Now, you do want to be cautious with getting a free car. If you are receiving government assistance, such as housing assistance, welfare, or food stamps, then accepting a free car may be considered income and it can affect your benefits. This is something that you will definitely want to think about as you do not want to lose these benefits.

How To Get A Free Car

There are organizations that help you get a car when you need a free vehicle. And there are other ways to find a free car as well. Below are some of the options that you may want to look into:

1. 1-800-Charity Cars

1-800-Charity Cars (also known as Free Charity Cars) is a nonprofit organization that provides free vehicles to eligible people, including domestic violence victims, the medically needy, victims of natural disasters, veterans and military families, and families transitioning from public assistance to work. It was the first charity of its kind in the nation.

This is the original free charity cars organization and they have given away over $70,000,000 in cars (over 9,000 cars) nationwide since they started the organization in 1996.

To apply, you will need to meet their eligibility criteria and submit an application on their website. Some of their eligibility requirements include being over the age of 18, being a resident of the U.S., having a valid driver’s license, being at or below 200% of the Federal Poverty Level, and having a genuine need for a vehicle.

This is a good place to start if you need a free car and you’re wondering where can I get a donated car for free.

2. Vehicles for Change

Vehicles for Change was started in 1999 and has given out over 7,500 cars to low-income families for little to no cost.

This organization helps residents in the states of Maryland and Northern Virginia. Cars are repaired and restored by people seeking workforce training as auto mechanics.

Donated vehicles are provided to families in need who meet their eligibility requirements. Eligible applicants must have a verifiable job offer or be working at least 30 hours per week, have no DUIs, and have a valid driver’s license to begin the application process.

3. Good News Garage

Good News Garage is a car donation program to look into if you’re trying to find a free car. They provide refurbished free cars for low-income families that meet their eligibility requirements. They give out around 200 cars to families in need each year and have provided around 5,500 cars since starting in 1996.

This organization is available for those in need who live in the New England area of Massachusetts, Vermont, and New Hampshire.

Good News Garage also has a transportation program. If you need to get to a job or get your children to childcare, then their program Ready To Go may be able to help you with this as well.

4. Online Car Donation

OnlineCarDonation.org is another platform that donates refurbished vehicles to needy individuals and families.

Online Car Donation gives free cars to people such as those with physical challenges, families living in homeless shelters, military families, and more.

You can apply by filling out their application form on their website and providing the required documents to prove your eligibility.

After you submit your application for a free car, if you are chosen, you will be contacted within 30 days. If you do not hear back within that time frame, their website says you can apply again as applications are only valid for 30 days.

5. With Causes Charitable Network

The WithCauses.org Network helps individuals and families in need by providing resources and assistance, which includes help getting a free car. The eligibility requirements may vary, so visit their website to find out if you qualify and how to apply.

6. Salvation Army free car program

The Salvation Army offers a free car program for eligible candidates.

They mainly focus on helping domestic violence victims, families in dire financial situations, and the homeless. Visit your local Salvation Army branch to inquire about their car donation program and how to apply.

7. Cars 4 Heroes

Cars4Heroes donates free cars to first responders, military veterans, and their families who are in need of transportation.

Cars 4 Heroes was started in 1996, and the organization currently gives away over 300 cars a year in the Kansas City, Kansas, metro area.

You can fill out their application form on their website and provide the required documentation to be considered for a free car.

8. Local church

Your local churches or other religious institutions may have programs that provide free vehicles to families that need help getting a car.

You may want to contact your nearby churches to find out if they have any car donation programs and how to apply or if they have eligibility requirements. They may know someone that they can connect you with to help you get a free car.

9. Check Facebook Marketplace and Craigslist

Many people often give away their cars or sell them at low prices on platforms like Facebook Marketplace and Craigslist.

If I was wondering about free cars near me, then I’d browse through these websites regularly to find out if anything is available. The search can be customized by entering your budget and location to see if anything suitable turns up. 

10. Find a job that gives you a free car

There are jobs that may give you a free car as well, in case none of the above options works for you.

Some job positions that may come with a company car include sales representatives, district managers, or regional directors who spend a lot of time traveling between different offices.

To start your search for jobs that give you a car to take home, you can look for job postings with phrases like “company car provided” or “full-time vehicle provided.” Job websites such as Indeed, LinkedIn, and Glassdoor make it simpler to find such job listings by using specific keywords, so you may try searching for those. I did a quick search and was able to pull up jobs easily by typing those phrases into the keyword search bar.

Some employers might offer a car allowance instead of providing a free car. In this case, you would receive a monthly stipend to use toward your vehicle expenses. This would offset some of your car expenses, such as monthly payments or maintenance.

Also, if you know someone who currently has a company car, you can try asking them for tips and advice. They might even refer you to open positions at their workplace, and this can help you get a job with a free car as well.

11. Look for a free dealer donation

Dealer donations are a little more difficult of an option, as car dealers are in the business of making money, not giving away all of their cars that make them that money.

But, it doesn’t hurt to try if you have the time to write a letter and reach out to a car dealership.

To obtain a car dealer donation of a free used car, you’ll want to start by seeing what local dealerships are in your area. You can research their involvement in charitable activities to see if they even give out free cars (maybe do a simple search of the dealership’s name plus the term “free car” or something like that), as this will show you that they are open to the idea of donating a vehicle to those in need of a free car.

Once you have a list of local dealers to reach out to, there are ways to get a free car from a dealership. You can write a letter talking about your situation and reasons for requesting a donated car. You should talk about your struggles and the positive impact the donation will have on your life (such as, what a donated car will help you do).

When writing your letter for a free dealer donation, here are some things to think about:

  1. Write the letter to the dealership’s owner or general manager, as they will likely have the authority to approve a car donation or be able to talk to someone who does have that authority.
  2. Explain your situation fully and provide the specific reasons why you need a car.
  3. Talk about how a car donation would improve your life and allow you to overcome challenges or achieve goals.
  4. Provide information on any relevant programs or resources, such as a community organization or nonprofit, that may support your request for a free car.

After you have written your letter, submit it to the dealership. You may do this by sending it to the physical mailing address of the person, their email address, or perhaps even handing your letter to them in person.

Here are answers to common questions you may have about finding a free car:

What are other transportation options if I can’t find a free car?

There may be a long waiting period if you are applying for a donated car. If you are not able to find a free vehicle, then you may need to look into other options to get around town. Here are some ideas on how to get around if you don’t have a car of your own:

  • Public Transportation — If you live in a place with public transportation, then this option is something to look into. One great thing about public transportation is that you won’t have to pay to maintain a vehicle or repair anything. Of course, public transportation sometimes takes longer and may not be widely available to you (unfortunately, there are many towns in the U.S. that do not have great public transportation options), and that is something to think about. Also, more and more cities offer public transportation at no charge. You may have to apply for a special card to get this free service, or it may be available to everyone. It’s worth asking around about because it can save you hundreds of dollars a month.
  • Carpooling — Carpooling is an option to think about if you are unable to find a free car, especially for people who live in areas with limited public transportation. Car owners may be looking for riders so that the expense of ownership is offset a bit. You’ll need to share the cost of expenses, such as gas, tolls, parking, and wear and tear. You may be able to share rides with coworkers, friends, or neighbors. To save money, you could offer to trade babysitting, gardening, or home repairs for the ride. Also, check out carpooling apps that apply to your local area.
  • Rideshare Services — Now, rideshare most likely won’t be the most affordable option, but sometimes you don’t have a choice. Rideshare services, such as Uber and Lyft, may be able to get you to where you need to go if you don’t have any other options. To save money, use an app that compares rideshare companies and finds you the cheapest price. And, as far as your work commute, it’s good to know that some companies offer rideshare services as a benefit to their employees and will pay for the full cost or part of it.

How can I find free cars given away near me?

Yes, you can find free cars given away near you. There are many local organizations that may be able to help you out. You can research the various charity programs in your area and see if you meet their eligibility requirements for a free car.

Many charities, such as Charity Cars, provide free vehicles to people in need. These organizations often target specific groups of people, like veterans or victims of domestic violence.

Next, reach out to local branches of organizations like the Salvation Army or Goodwill Industries. These organizations may also auction off donated cars at affordable prices. Reach out to your nearest branch to learn more about available vehicles and to find out if they hold any auctions.

Another option is Online Car Donation, which aims to provide free cars to as many people in need as possible. Fill out their application to see if a reliable used car is available for you. They also offer trucks, vans, and sometimes even modified vehicles for individuals with disabilities.

Remember to be patient but also to keep trying, as it can sometimes take time to find the right opportunity for a free car. And, many times your application is only good for 30 days, so keep in mind that you may have to submit it over and over again.

Is Free Charity Cars legit? 

Yes, Free Charity Cars is a legitimate organization that connects eligible people with free vehicles. They have high ratings and many endorsements.

How to get a car if you can’t get a free one?

If you’re not able to get a free car, you do have some other options, such as learning how to get a cheap car and learning the best way to get a car loan with a low interest rate.

Here are my tips for finding a cheap car:

  1. Shop around for cars that are affordable to you: Many organizations offering a free car may also give you the option of purchasing a refurbished vehicle from them at a much lower cost than elsewhere. Otherwise, check out your local dealerships, online car-selling platforms, and even Craigslist to find the best deals on reliable cars in your area. Don’t limit yourself to just one site; shop around and be patient until you find a car that fits your budget.
  2. Buy a used car: Buying a used car rather than a brand new one can save you money. Pre-owned vehicles tend to be more affordable and can still offer reliable transportation.
  3. Negotiate for the best price: Don’t be afraid to negotiate the price of the car with the car seller or dealership. They may be able to lower the price, especially if you can show them that similar cars are around for cheaper prices elsewhere.
  4. Check your credit score: Before applying for a car loan, make sure that you know your credit score. A better credit score increases your chances of getting a lower interest rate on your car loan. If you can, I recommend you take the steps to improve your credit score (even while searching for a free car) in case you need to apply for a car loan.
  5. You can learn more about building up your credit score at Everything You Need To Know About How To Build Credit.
  6. Shop around for car loans: Just as you should shop around for the best car deal, you should do the same for car loans. Different lenders may offer different interest rates and loan terms.
  7. Choose a shorter loan term: While a shorter car loan term means higher monthly payments, you’ll pay less in interest overall, making the car less expensive over the years.

There are plenty of options for finding cars that may not be entirely free but are still affordable to you.

Related content: Save Money With These Top Tips For Buying A Car

How To Get A Free Car — Summary

I hope you enjoyed today’s article on how to get a free car.

If you need a car but cannot afford one, there are several ways to possibly get a free car. Many programs and organizations exist to help people get a free car, especially if you belong to certain categories, such as low-income families, veterans, domestic violence victims, or those transitioning from public assistance.

Remember, you do want to be cautious with getting a free car as well. If you are receiving government assistance, such as housing assistance, welfare, or food stamps, then accepting a free car may be considered income, and it can affect your benefits.

To find free cars near you, it’s important to explore local nonprofit organizations, as well as community centers, churches, or social services agencies that may have information about free car programs or resources in your area. Some jobs come with a company car that you can take home.

Here are some potential resources to assist you in getting a free car:

  • Local nonprofit organizations
  • Online car donation websites
  • Community centers and churches
  • Social services agencies

Remember that just because you meet the eligibility requirements for a free car and apply for one, it does not mean that you will succeed. There are many people who would like to receive a free vehicle as well. However, you can increase your chances of getting a free car if you can show that you have a need and you have a story to share (since people personally review the applications to see who needs the car the most).

Are you looking to learn how to find a free car?

Source: makingsenseofcents.com

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Inside: Are you wondering how many weeks are in a school year? This guide will help you answer the ultimate question by state. Plus uncover the number of school days or hours.

Ever had that feeling where your kids seem to always be either in school or at home?

This is a common dilemma many parents and guardians scratch their heads over.

Knowing how many weeks there are in the typical school year not only solves this puzzle but also helps with planning vacations, prioritizing extracurricular activities, and ensuring they don’t miss out on crucial academic days.

The number of school days in a public school year varies significantly by state and even within specific school districts, reflecting the unique approaches and needs of each educational jurisdiction.

This variability results in a range of calendar structures, from standard to modified school weeks, which can impact educational planning and execution.

Understanding this variation in the number of school days is paramount for parents in structuring their work weeks in a year, ensuring that all the fun happens and the kids learn the necessary material.

How Many Weeks in a School Year?

On average, a school year generally includes about 36. However, this can slightly vary depending on your location and the type of school.

For instance, in the United States, a typical school year comprises 180 school days, translating to approximately 36 weeks. This is how many weeks in the academic year.

This calculation includes the school-going days only, excluding weekends and holidays.

When you include no school days from holidays, winter, or spring break, the total number of weeks grows to about 40 weeks.

How many school days are in a year?

The number of school days in a year typically spans from 160 to 180 days, based on the education system in the United States.

This accounts for roughly 36 weeks of schooling.

Thus, allowing plenty of time to enjoy one of these summer jobs for teachers.

Required School Days by State

Did you know that across the United States, each state has a unique number of minimum school days in a year? Yeah, it varies!

In addition, the requirements are set by different groups by the state Department of Education or the local school district.

While Colorado mandates the fewest minimum school days in comparison to other U.S. states, at 160 days, the state still maintains a very similar standard for the minimum required hours of instruction per academic year. Despite the reduced number of days, it does not necessarily indicate less teaching time. This may be why teachers in Colorado are the lowest paid.

Some states like Delaware, Missouri, or Texas only require certain instruction hours, instead of days.

This illustrates that even within differing frameworks, states strive to provide a balanced amount of educational exposure to their students.

As you will see this is way under the number of working days in a year.

Here is the number of student contact days required by each state:

State State Minimum School Days in Year
Alabama 180 days
Alaska 180 days
Arizona 180 days
Arkansas 178 days
California 180 days
Colorado 160 days
Connecticut 180 days
Delaware Hours requirement only
District of Columbia 180 days
Florida 180 days
Georgia 180 days
Hawaii 180 days
Idaho School districts decide on days
Illinois 185 days
Indiana 180 days
Iowa 180 days
Kansas School districts decide on days
Kentucky 170 days
Louisiana 177 days
Maine 180 days
Maryland 180 days
Massachusetts 180 days
Michigan 180 days
Minnesota 165 days (grades 1 to 11)
Mississippi 180 days
Missouri Hours requirement only
Montana School districts decide on days
Nebraska Hours requirement only
Nevada 180 days
New Hampshire 180 days
New Jersey 180 days
New Mexico Hours requirement only
New York 180 days
North Carolina 185 days
North Dakota Hours requirement only
Ohio School districts decide on days
Oklahoma 180 days
Oregon Hours requirement only
Pennsylvania 180 days
Rhode Island 180 days
South Carolina 180 days
South Dakota School districts decide days
Tennessee 180 days
Texas Hours requirement only
Utah 180 days
Vermont 175 days
Virginia 180 days
Washington 180 days
West Virginia 180 days
Wisconsin Hours requirement only
Wyoming 175 days
Source: National Center for Education Statistics

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

Factors that Influence the Length of the School Year

Knowing how long your school year is can help you plan academically and personally.

But, the question remains will these students be prepared for the number of working hours in a year?

Here are some factors that can influence the duration of a school year:

Legal Requirements:

Every state in the U.S. establishes legal requirements that mandate the minimum amount of instructional days or school hours per year, ensuring that students have a sufficient baseline of educational exposure.

These mandates vary from state to state, with common baselines being around 180 days or varying hours depending on the grade level.

Such requirements can range from 425 hours for Kindergarten in some states to 990 hours for grades 6-12 in others. Exceptions and specific inclusions or exclusions (like recess, lunch, passing periods, etc.) to these instructional times differ among every state, offering districts some flexibility in meeting the standards.

State or City regulations:

State or regional regulations significantly impact the length of the school year depending on climatic, cultural, or other region-specific conditions.

Notably, in areas where the climate includes inclement weather, schools may have longer breaks during winter months to accommodate these conditions.

Also, cultural holidays specific to an area may also necessitate a shift in the school calendar.

School district policies:

School district policies, like budget constraints and teacher contracts, have a crucial role in shaping the length of the school year.

For instance, collective bargaining agreements or contractual obligations could stipulate the length of the academic year, which can differ markedly across various regions.

Similarly, budgetary limitations might lead to reductions or extensions in the number of school weeks, according to the resources available.

Therefore, these policy elements are pivotal in determining the structure and flexibility of the school calendar, directly influencing curriculum planning and the educational opportunities provided to students.

Parental and community expectations:

The effect of parental and community expectations on school calendars can not be underestimated. They undoubtedly play a critical role in shaping the length and structure of the school year.

Parents and the larger community may have certain expectations or preferences that influence when and how long schools are in session. These preferences can significantly shape the academic calendar.

  • One primary factor is family schedules and routines. Some parents might prefer longer school weeks with shorter breaks scattered throughout the year. This format may align more closely with standard work schedules, minimizing the need for additional childcare arrangements.
  • On the other hand, some parents might prefer longer breaks, particularly in the summer, to accommodate yearly family vacations. This preference is quite common in many communities where summer holidays are seen as a traditional break for travel and family outings.

School calendars can also be adapted based on parent and community feedback. For example, if a significant number of parents express concerns about children having too much idle time during long breaks, schools might shorten breaks and add more instructional days.

Additional non-instructional days

The overall length of a school year is not entirely determined by the instructional days, but also by these additional non-instructional days.

With more days dedicated to professional development, teachers can enhance their teaching strategies and methodologies, resulting in improved student outcomes. Parent-teacher conferences form another essential component of these additional days, providing a vital platform for communication on students’ progress.

Both these elements contribute to the augmentation of the academic year, extending beyond the set instructional days.

How to Make the Most of the School Year

Making the most of your school year is not just crucial for academic success, but also for your overall well-being.

Here’s how you can do it.

  • Prioritize time and tasks. Make a list of weekly assignments. Prioritize by deadline and significance, ensuring each task has sufficient time allocated.
  • Understand your school year structure. This aids in schedule planning, goal setting, and study time allocation.
  • Create achievable goals. Break them down into manageable tasks and track progress regularly.
  • Keep track of assignments, due dates, study materials. Use a digital calendar or school planner to stay organized.
  • Shed light on the opportunity to get ahead. This may be in the form of summer sessions, allowing you to catch up on coursework, and possibly graduate early.
  • Familiarize yourself with your school’s academic calendar. Make sure to keep note of key dates and deadlines.

Remember, a longer school year equals more opportunities for enrichment activities. So dig into the chances!

FAQ

Yes, there are typically around 36 weeks in a school year, but this can vary.

This calculation is based on the US where most districts require about 180 days of schooling, which roughly translates to 36 weeks. However, this figure may fluctuate between states, districts, and the type of school.

Typically, there aren’t exactly 40 weeks in a school year. On average, based on the U.S educational system, the school year is about 36 weeks.

However, when including breaks and holidays, the total climbs to around 40-42 weeks.

For instance, in the UK, the school year totals 39 weeks.

In Australia, you’d typically have 38.5 weeks of school in a year, broken down into four terms. Each term lasts roughly 10 weeks, but the exact length can vary slightly depending on the state or territory.

Australian kids are in school for roughly 200 days of the year.

School Days and School Weeks – Are You Happy with What is Happening?

Are you satisfied with the average 36 week school year for your child?

While every state sets its requirements, ensuring that your little scholar gets the right quantity and quality of education.

Based on the research, American students receive fewer amount of instructional time compared to their international counterparts, including countries renowned for educational achievements like South Korea, Japan, and Finland.

This suggests that American students may not be getting substantial educational exposure.

However, the adequacy of education isn’t solely determined by the amount of time spent in school. It’s also dependent on other factors like the curriculum content, the emphasis on particular subjects, and the usage of standardized assessments. It’s important to note that these components can differ significantly among countries, leading to differences in the quality and focus of education.

As a parent, knowing this helps you plan what is best for your children as well as the vacations!

It’s your turn to reflect, engage, and make the most of this information.

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org

Apache is functioning normally

Inside: Are you moving into your first apartment? Planning a move can be daunting, but with this checklist, everything will be ready for your bed and bathroom you arrive. From a mattress, pots and towels to cleaning supplies and furniture, this list has it all. This is a huge deal!

Moving into your first apartment is an exciting time!

You’re finally out on your own, and you get to decorate and furnish your space however you want.

But before you can start shopping for all the cute home décor, there’s one very important task that needs to be taken care of first: creating a First Apartment Checklist.

This comprehensive checklist will ensure that you don’t forget any essential items when furnishing your new place. From kitchen supplies to bathroom necessities, we’ve got you covered.

So what are you waiting for? Let’s get started!

My First Apartment Mistakes

Moving into your first apartment indeed marks an exciting milestone in life.

However, it is also a moment of awakening when realizing that filling the apartment with all the necessities is not child’s play. My lesson learned the hard way.

It requires great planning and acute mindfulness of one’s budget. While the thrill of setting up your own place can easily lead to overspending, it’s important to keep the budget in check and be judicious about your purchases.

Here are some aspects to consider:

  • It’s easy to forget that there’s a huge list of big and small things you’ll still need to buy to fully equip your space. However, the keyword here is “need” and not “want”. I should have been better at differentiating between what is absolutely necessary for your immediate living situations and what can be procured later.
  • Define what you can spend right away by considering the moving costs and other related expenses. After setting the budget, the next most important step is to stick with it. You will be tempted to stretch your limit, but remember that financial restraint is key.
  • Moreover, remember that you don’t need to get everything right away, certain things can wait. Spend wisely, and stick to immediate needs. You might be surprised to find out that some items you thought were essential, in fact, can be comfortably lived without.

Your home is meant to give comfort, not financial stress.

The above statement is a lesson that stick with you for a long while. Keeping track of your expenses and making wise decisions can help establish your first apartment without breaking the bank.

Learn is $5000 enough to move out?

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

Big Items for Your First Apartment Checklist

You’re finally out of your parents’ house and ready to start your own life. Congrats!

This is an important step when you want to move out at 18.

Moving into a new place is both exciting and daunting. To help you make sure you have everything you need for your new digs, we’ve put together a first apartment checklist of all the big items you’ll need to buy.

This is where to focus your money or look to find free items.

1. Mattress

Living in your first apartment?

Do not underestimate the importance of a good mattress.

It’s the foundation for quality sleep, which is crucial for your health and daily performance. Investing in one is non-negotiable even if budget is a constraint.

Personally, this. is the one item I would say to buy new! Thankfully you can find affordable mattresses now.

2. Bed Frame & Headboard

You may be tempted to skip the bed frame in your first apartment, but it’s a key piece that offers myriad benefits.

In full honesty, I didn’t get a headboard for my mattress until well after I was married. But, it was one small thing that made me happy.

Popular bed frame options vary in price from $60 for a simple metal frame to over $200 for wooden or upholstered models. Make sure to evaluate your needs and budget before buying.

3. Couch

Your first apartment is exciting, and the right couch can really set the tone. It’s not only a seating arrangement but also a place for relaxing, entertaining, and unleashing your personality.

When setting up your first apartment, you might be conflicted about whether to buy a new couch or look for a used one. Here are some factors to consider:

For those living by themselves:

  • A new couch can be a significant investment, but it is worth the cost if you value personal comfort, hygiene, and aesthetics.
  • Utilize discount stores to find quality furniture that is within your budget. A new couch often comes with warranties or protection plans that can give you peace of mind for any potential repairs or damages.
  • Investigate measurements and delivery options thoroughly to ensure your new couch comfortably fits your apartment layout.

If you are planning to live with a roommate:

  • You can consider getting a used couch. This is a great way to cut costs during a time when budgeting and saving money are important.
  • To make sure the couch you’re acquiring is clean and pest-free, buy or get it for free from trusted sources. Friends or family are often the best people to approach when looking for used furniture.
  • Look into garage sales or online platforms like Craigslist for options. However, always inspect the couch thoroughly before purchasing it from these sources.

Whether you choose new or used, ensure that the couch fulfills your needs.

4. End Tables and Lamps

End tables and lamps are essentials you need in your first apartment. They offer functionality along with a touch of class to your space.

There are many reasons why they should be on every first apartment checklist.

  • Versatility: Side tables can be used in various ways, from serving as a coffee holder, providing a place for books and magazines, or showcasing photo frames and indoor plants. It can also function as an extension of your workspace when you need to create an impromptu office setup.
  • Convenience: Having a side table next to your bed or sofa allows you to have important items within easy reach. This may include your phone charger, eyeglasses, or remote controls.
  • Decorative Value: Side tables contribute to the aesthetic appeal of your living space. They come in different styles, shapes, and designs that can complement various types of interior décor themes.

More than likely with lamps, you will notice where you need them the most after you move. So, it is okay to wait and buy them.

5. Dining Room Table

Your first apartment isn’t complete without a dining room table. It’s the multi-tasking hero of your living space, essential for meals, socializing, and possibly working or studying.

Finding the right dining room table for your apartment can be a fun and rewarding experience. However, it may be daunting for some, given the myriad of options available in the market.

Here’s a step-by-step guide to help you find your ideal fit:

  • Determine the Size Needed: The first step in finding the right dining room table is to measure the space it will occupy. Knowing the size helps narrow down the options and ensures a comfortable fit. Consider the number of people you plan on hosting on a regular basis – that should dictate the size of the table you need.
  • Consider the Shape: Dining tables come in various shapes, including square, rectangle, round, and oval. Identifying the shape that suits your space and lifestyle is crucial. Rectangular tables are the most common, but circular ones are great for maintaining an intimate dining experience, while an oval one can be a middle ground between a square and a round table.
  • Decide on Style: Whether you lean more towards a modern, contemporary, or rustic look, there are countless styles of dining tables to choose from. Ensure that the style of the table resonates with the rest of your home decor for a harmonious look.

Remember, choosing the right dining table is a balance of both form and function. Considering these aspects will surely help you find the dining room table that fits your lifestyle and space.

A good friend of mine had great luck finding a dining room table at a Restore resale shop. Something to definitely check out!

6. Kitchenware

Moving into your first apartment often comes with the challenge of equipping your kitchen efficiently.

To help guide you in making thoughtful purchases without breaking the bank, here are some important kitchen items you should consider investing in.

  • Basic Cooking Equipment: A Starter kitchen at the bare minimum requires at least two pots and a frying pan. These should be supplemented with necessary cooking utensils like a ladle, spatula, whisk, etc. You also need a high-quality knife set, at least one cutting board, and measuring cups and spoons to help you prepare and portion your meals accurately.
  • Food Storage & Serving Items: Get microwave-safe food storage containers to store leftovers efficiently. Additionally, invest in a good set of plates, bowls, glasses, and coffee mugs.
  • Countertop Appliances: While these can be a bit costly, consider getting a microwave, an InstantPot, and a coffee maker. These can vastly simplify and speed up your daily meal prep.

These are the basic items for a minimalistic kitchen.

7. Patio Furniture

Patio furniture can be an excellent cost-effective addition to your first apartment. Often overlooked, patio furniture can provide advantages for a first-time tenant:

Getting patio furniture as hand-me-downs or buying used ones can save you lots of expenses.

Plus patio furniture can be easily refurbished or painted to match your apartment’s interior design. You can showcase your creativity and add a personal touch without spending much.

8. Grill

One must-have in your first apartment is undoubtedly a grill. Nothing beats the flavor of a good grill and it’s perfect for friendly gatherings or quiet evenings.

Having a grill can add a sense of fun and adventure to your living situation. It allows for new culinary experiences and outdoor entertaining, especially during warmer months when you can have a delightful barbecue party in your yard or balcony.

Grilling can also act as a social catalyst. Whether it’s a relaxed summer evening cookout with neighbors or a gathering of friends for a sporting event, grilling can bring people together in a fun and casual way.

Thanks to websites like Craigslist, eBay, and Facebook Marketplace, second-hand grills in good condition are often available locally and at a much lower cost than brand-new grills.

9. Storage Items

Stepping into your first apartment, huh? The organization will be your closest ally.

Crisp and neat storage items can help you stay clutter-free and make your space feel like home.

This is something I would wait to buy until you are in your space and know what you need. There are so many storage ideas and organization items.

10. Decor

Making your first apartment feel like home is both exciting and challenging. Decor plays a crucial role, transforming an empty space into a cozy, personal refuge.

You want the decor to reflect your style, but the cost may be more than you can afford.

Enter thrift shopping for some of your favorite items.

You can always splurge on that one item you want!

How do I prepare for my first apartment?

Getting your first apartment can be incredibly thrilling, but let us guide you through a smooth transition.

Before making any purchases, it’s critical to create a budget that takes into account moving costs and other associated expenses.

Additionally, make a checklist of essential items to ensure a smooth move, but remember to prioritize immediate needs as some items may not be necessary initially.

Being prepared and methodical about your approach can help significantly in making your first apartment feel like home. It’s all about spending wisely and sticking to your plan.

First Apartment Checklist for Bedroom

Ready to move into your first apartment and need help setting up your bedroom?

This checklist will ensure you won’t miss any essentials.

  • Bed: Choose a full or queen-size bed to maximize space.
  • Mattress: Select the right firmness for your sleep style. Don’t forget a mattress pad and bedding.
  • Nightstand: You need this to place essentials like a reading lamp and a glass of water.
  • Dresser: An essential piece of furniture for your clothing storage.
  • Lamp: A softer lighting option for your bedroom. Don’t forget light bulbs!
  • Closet Organizers: Invest in baskets or cloth storage cubes for easy organization.
  • Desk and Chair: A small workspace if your room allows. Opt for a stool or folding chair to save money.

Remember every space is unique, tailor this list to your needs and budget.

First Apartment Checklist for Kitchen

As you embark on your solo living adventure, setting up your kitchen shouldn’t be a brain tease.

Here’s a lifesaver list of must-haves:

Remember, your kitchen is not just for cooking, but for hosting toasts and storing eats. Cheers to your new apartment kitchen!

First Apartment Checklist for Living Room

When setting up your first apartment living room, remember to shop for these essential items:

  • A Cool Lamp or Two: Lighting is crucial. Pick unique lamps that add both light and character to your space.
  • Side Tables: Grab a couple; these provide additional surfaces for decorations or mugs of tea.
  • Storage Solutions: Think TV cabinets or bookshelves where you can neatly store your belongings.
  • Extra Seating: More seats for more guests.
  • Window Treatments: Curtains or blinds not only offer privacy but can also tie a room together.
  • Decorative Pillows and Throw Blankets: For aesthetics and comfort.
  • Decor Items: This includes wall art, picture frames, coffee table books, houseplants, candles and vases. Make your space you.

Be smart in your selections, ensuring each item marries functionality with aesthetics. Holistic harmony is key in a living space.

Technology for Your First Apartment

In today’s digital era, modern apartments are nearly incomplete without a range of essential tech items.

These add convenience, entertainment, and a sense of security to your cozy abode.

  • Smart TV: This is essential for entertainment and relaxation. It can be a source of news, sports, movies, and shows that make your apartment a much more enjoyable living space.
  • Roku Stick: If you opt for a basic TV, then these devices enable you to stream content like Netflix, YouTube, and Hulu directly to your TV. This is much needed if you prefer digital streaming over traditional network channels.
  • Computer / Laptop: This is useful for work, learning, entertainment, and communications in the current digital era. It helps you stay connected to the world and perform various tasks easily.
  • Wifi Router: A Wi-Fi router is a must-have in this age as it provides an internet connection for all your devices. It enables you to stay connected to the world, shop from home, stream entertainment, or work remotely.
  • Chargers: Chargers for phones, laptops, and other electronics are essential. They keep your devices powered up and ready for use at any moment.
  • Speakers: They enhance your entertainment experience by providing high-quality sound for music, TV shows, and movies. They can also be useful for work or study, for instance when participating in video conferences or online courses.

Thankfully prices have dropped significantly on TVs since I bought my first one!

First Apartment Checklist for Bathroom

One key area to consider is your bathroom – it’s essential to have all the basis to make your daily routines smooth and simple. Here’s what you’ll need:

Cleaning Your First Apartment

Ready to take that first crucial clean sweep in your very first apartment? Here’s how you’ll nail it!

Start with unpacking your cleaning essentials, preferably even before you start arranging your furniture. This will make it easier to spot dust, stains, and dirty spots that are usually hidden.

Now, let’s dig into your basic apartment clean-up kit:

Honestly, these frugal green items are perfect to keep things clean and on budget.

Things you need for an apartment that you wouldn’t think of

Moving into your first apartment is an exciting milestone, but it’s also full of small details that are easy to overlook.

Some essential items might not make it on your moving checklist, leaving you scrambling on your first day in your new place.

  • Basic Handyman Tools: A Leatherman or small toolkit is essential for assembling furniture and making minor repairs.
  • Hangers: You’ll need more of these than you think for your wardrobe.
  • Extension cords and surge strips: You’ll need these to plug in all your electronics in spaces with limited outlets.
  • Drawer organizers: Helps keep your belongings categorized and easy to find. Especially important in small spaces where efficient storage is key.
  • Flashlight: You never know when a power outage may happen. A flashlight is a crucial tool for safety and navigation in the dark.
  • Batteries: Handy for various gadgets like remote controls, flashlights, and smoke detectors.
  • First aid kit: Accidents can happen anywhere, and having a first aid kit handy can make dealing with minor injuries easier and more efficient.
  • Light bulbs: Essential for maintaining good lighting in your apartment. You don’t want to be left in the dark when a bulb burns out.
  • Matches and/or lighters: Useful not only for candles and gas stoves but also a necessity in case of a power outage.
  • Pen and paper: Although we live in a digital age, pen, and paper are still handy for jotting down quick notes, lists, or reminders.
  • Fire Extinguisher: Better to be safe than sorry!
  • Carbon Monoxide Detector: Extremely important to have in your apartment
  • Duct Tape: It solves every DIY project – while almost any.
  • Security Cameras: It bums me out completely to add this to the list, but in today’s society it is a must-have.

Renter’s insurance is instrumental for various reasons

It provides financial protection in case of unforeseen circumstances like theft, damage due to disasters like fires, or liability if someone gets hurt in your apartment.

Additionally, considering the value of electronics, furniture, clothing, and other personal belongings, investing in renter’s insurance helps safeguard one’s possessions, making it invaluable, especially for first-time renters.

How do I budget for my first apartment?

Managing your expenses while moving into your first apartment is crucial since it’s usually an expensive endeavor with many large and small essentials needed to fully complete your home.

Having a budget not only helps you to control your finances effectively but also assists in prioritizing immediate needs, avoiding unnecessary items, and managing moving costs and related expenses.

Step 1: Make a Budget

Budgeting is, unquestionably, a crucial strategy to manage your personal finances efficiently, particularly while setting up a new apartment.

  1. Begin by detailing your annual net income.
  2. Subsequently, list down all your essential expenditures, such as food, household supplies, phone bills, car payments, credit card bills, clothing, transportation costs, internet charges, healthcare expenses, school loans, and entertainment.
  3. Don’t forget to add a section for “miscellaneous” to cover any unanticipated expenses.
  4. Make sure your expenses are less than your income.

While rent will be your biggest expense, you want to make sure you can truly afford the amount without going broke.

If you observe that your expenses are relatively high, it’s time to analyze your spending patterns and cut down on unnecessary spending.

Step 2: Save Money

Saving money and living frugally requires strategic thinking and discipline.

Honestly, the simplest thing you can do is to set aside 20% of your income each paycheck. That will ensure you are on your way to becoming financially independent.

Simply remember, frugal living doesn’t equate to deprivation, it’s about making informed choices to optimize your resources.

The 100 envelope challenge is extremely popular!

Step 3: Start a Side Hustle

Side hustles can be a flexible and rewarding way to supplement your income, and they’ve become much more popular in recent years.

Manage your time wisely and ensure the side hustle is something you enjoy or are passionate about. It should be a source of additional income without causing stress or burnout.

Here are ways to make money online for beginners.

First Apartment Tips

Embarking on the journey of renting your first apartment can be both exciting and daunting, hence having some essential tips can be quite handy.

1. Make a list of apartment essentials

A list of apartment essentials plays a crucial role, particularly for first-time movers.

The benefits and significance cannot be overstated. Here’s why:

  • Prevents Overspending: Moving into a new apartment is already expensive. There are lease deposits, rent due, utility set-ups, and other hidden expenditures that can easily catch first-time movers off guard. Having a list of apartment essentials can keep your spending in check, ensuring that you only purchase what’s necessary and avoid unnecessary or impulsive purchases.
  • Minimizes Stress: The task of moving can be overwhelming, and missing essential items only adds to the stress. A well-thought-out list can not only help you keep track of what you’ve already acquired but also what you need to purchase or source.
  • Ensures You’re Prepared and Organized: By carefully creating an apartment checklist, you’re ensuring that you have everything you need in your new home, from cleaning supplies and toilet paper to the necessary items for your furry friends.
  • Saves Time: A concise and focused list saves you time by clearly stating what needs to be acquired, allowing you to focus on other important matters related to the move.

Follow this approach, and you’ll have a comfy, well-equipped apartment in no time.

2. Consider your budget

Experts advise rent shouldn’t exceed 25-30% of your income. But, don’t forget to include your other costs like food, bills, loans, etc

Remember, your dream apartment isn’t worth it if it’s a financial nightmare. Think smart, save hard, and enjoy your new home’s comforts without breaking the bank.

Learn the ideal household percentages.

3. Research apartments

Researching apartments requires careful consideration of numerous factors such as the proximity to vital facilities like workplaces, grocery stores, hospitals, and entertainment joints.

Try to physically tour potential residences where possible to examine amenities and gauge the atmosphere of the neighborhood.

Don’t forget to make inquiries and view the apartment personally or through a floor plan, all these will help you make a wise decision.

4. Check apartment listings for features and amenities

When searching for the perfect apartment, consider features and amenities that align with your lifestyle.

If there is a sym space, you could eliminate your monthly gym membership.

Just make sure the cost of the upgraded amenities is worth the price tag.

While checking apartment listings, ensure to evaluate the location, amenities, available space, and physical integrity.

5. Think about the size and layout of the apartment

Understanding the size and layout of your new apartment is crucial before you start styling and furnishing it.

Acquire a floor plan from the apartment management, and if possible, tour the apartment physically to note the positioning of rooms, doorways, hallways, and stairwells. Take measurements of these areas and visualize the kind of furniture and fixtures they can accommodate fittingly, taking into account maneuverability around corners as well.

Moving to your first apartment is exciting, yet demands careful consideration of the size and layout.

6. Look for apartments with good security

When you’re hunting for your next apartment, don’t forget to check out its security features. This is crucial for your peace of mind.

  • Ensure the apartment is in a safe neighborhood, close to amenities like hospitals or public transport.
  • Ask if the apartment complex has features like controlled access gates, security guards, and CCTV surveillance.
  • Check the apartment for proper alarm systems, well-functioning locks on doors and windows, and that fire safety measures are in place.
  • Verify the cell phone reception inside the apartment for any emergency calls.
  • Lastly, always ensure that the parking area is secure and well-lit.

Remember, your apartment isn’t just a place, it’s your sanctuary. It should feel like one, too.

7. Make sure you get a good deal

Before signing a lease, it’s crucial to ensure the rent price is a good deal.

According to the U.S. Census Bureau, the median gross rent from 2015-2019 was approximately $1,097 per month.

8. Talk to the management and make sure you understand the rules

Get to grips with your apartment’s rules by thoroughly reading your lease. Take note of any restrictions, and don’t fear to ask for clarifications. Data indicates that understanding lease terms significantly reduces tenant-landlord conflicts.

It is important you understand your lease as it is a binding contract.

First Apartment Checklist PDF

Moving into your first apartment is exciting but daunting. The First Apartment Checklist PDF helps simplify the process.

Take it at your own pace—don’t rush. This is your journey to your new home. Enjoy!

FAQ

Moving into a new apartment can be quite exciting yet daunting. It’s crucial to carefully inspect the space to ensure it meets your needs and is in optimal condition.

  • Check the overall cleanliness. Despite initial cleaning, apartments often accumulate dust while vacant. Ensure you have cleaning supplies handy to tackle any overlooked dirt or grime.
  • Inspect the utilities. Ensure the availability of necessary technology setups and provisions for all your electronic gadgets. And make sure no wires are hanging from the ceiling.
  • Verify the safety features. Always have a working lock on the door as well as a well lit entrance.
  • Examine appliances. Make sure essential household appliances like washers, dryers, and a dishwasher are provided and in working condition.

The comfort and safety of your new apartment rely hugely on these checks.

When determining how much you should spend on rent, it’s generally suggested that your allotment should be no more than 25-30% of your after-tax income.

For instance, if your yearly income after taxes is $40,000 per year, your rent should be about $833-$1,000 per month.

Keep in mind, this amount should cover:

  • Your rent
  • Utilities (unless they’re included in your rent)
  • Rental insurance

It’s essential to create a realistic budget by considering your other necessary expenses like food, transport, healthcare, and entertainment. If needed, find ways to cut some of these costs to afford your dream apartment.

Now Get Moving with your Apartment Shopping List!

In conclusion, creating and managing a first apartment checklist requires a judicious mix of prudence and patience.

It’s an exciting journey of setting up your first independent space but it’s also a test of properly managing your resources without compromising on your basic needs.

It’s crucial to remember that you do not need to get everything at once, and it’s okay to take your time to gradually fill your apartment.

Remember, be mindful of your budget and prioritize based on your specific needs and preferences.

And don’t forget, you’re not just setting up an apartment, you’re creating your own unique sanctuary.

With patience and careful planning, you’ll soon have an apartment that’s not only functionally equipped but also a reflection of your personal style. The experience, in the end, will prove to be as rewarding as it is educational.

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org

Apache is functioning normally

Hello! Today, I have a great debt payoff story from a reader, Ashlee Binderim. This is how she paid off $162,000 in debt. Enjoy! When you get married, you’re supposed to ride off into the sunset and live happily ever after, right? Well, not for us. That “honeymoon phase” came to a screeching halt when…

Hello! Today, I have a great debt payoff story from a reader, Ashlee Binderim. This is how she paid off $162,000 in debt. Enjoy!

When you get married, you’re supposed to ride off into the sunset and live happily ever after, right?

Well, not for us. That “honeymoon phase” came to a screeching halt when we quickly realized our financial situation wasn’t ideal (to say the least).

Let me set the stage for you – we were in our early twenties, still going to college full-time, and working part-time jobs when we said “I do”.

We were barely making ends meet and money was really tight.

We knew that we were walking into this marriage with debt, but we didn’t actually know how that would impact our financial future. 

My husband was in that sweet spot where his parents made too little money to send him to college but too much money to qualify for financial aid. This resulted in him taking out $150,000 in student loans.

During his time in college his student loans accrued $15,000 in interest. Bringing his grand total to $175,000 in student loans.

I put myself through college and was able to qualify for financial aid and I also received some scholarships but it didn’t cover everything. I took out $11,000 in private loans and $20,000 in student loans. I worked part-time and was able to pay back about $10,000 while in college, leaving $21,000 that I brought into our marriage.

Finally, we decided to purchase a brand new car at $29,000. 

Bringing the grand total to: $225,000 in debt.

We were barely old enough to legally drink and had $225,000 in debt. 

With an income of less than $3,100 a month starting out, our debt felt like we were chipping away at Mount Everest with a pickaxe. 

These loans were holding us back in just about every area of life. We were already paying a mortgage payment for a student loan, so we knew that we couldn’t afford to purchase a house. 

We were trying to pay off debt as quickly as possible which meant investing took a backseat. 

We had to say no to just about everything that we wanted to do or buy. Especially during the first year of our marriage because we could barely afford to eat.

So, how did we pay off $162,000 in debt in 6 years? I’m going to walk you through year-by-year our income and approximately how much we put towards debt each year. 

Related content:

How we paid off $162,000 in debt in 6 years

2016 –  I made around $25,000 that year and my husband made $35,000. We brought in $3,100 a month – collectively. With rent on a small one bedroom apartment at $1,050 which is the cheapest place that we could find. That left us with $2,050 for the rest of our basic necessities. My husband and I were still in college so we didn’t have a student loan payment yet. We knew that we wanted to pay off debt as quickly as possible so we put all of our extra income (which wasn’t much) towards debt. That first year, we were able to pay off $13,800 in student loans. 

2017 – I graduated college and got a full-time job as an Instructional Designer where I made $51,000 a year. My husband worked part-time and attended college full-time. He made about $35,000 a year. Which brought our collective income to $86,000 a year or $5,100 take home a month. 

In 2017, we also moved from our apartment to a larger apartment. Well, apartment may not be the right word, it was the converted hayloft of a barn. We had an agreement with our landlord that we would do things around the property, like yard work, maintenance, and other miscellaneous things. This agreement meant that we only paid $760 for rent and utilities. 

We had to pause our financial goals for a couple months during 2017 because my husband was experiencing loss of vision which resulted in dozens of doctors appointments and specialists to diagnose a rare medical condition. Luckily, we had insurance with a low deductible so we only had to pay a very small amount out of pocket and any travel expenses.

That year we put $22,100 towards paying off debt and saving to pay off my husband’s student loans. 

2018 –  My husband graduated college and was hired full-time as a Project Manager for a construction company with a starting salary of $71,000. With my $51,000, we made a combined income of $122,000. After medical insurance, taxes, and retirement our monthly take home was around $7,500.

We refinanced my husband’s student loans from his parents name to his, because that was the verbal agreement that they had upon him entering college. 

Quick note from Michelle: Companies, such as Credible, help you to refinance your student loans. With refinancing, the average person can save thousands of dollars on their loan, and that’s incredible! You can save a lot of money with student loan refinancing, such as with Credible, especially if you have high interest federal or private loans.

The best interest rate we could get was 6.5% on $175,000 – which meant that over half of the monthly payment of $1,315 went towards interest. According to our student loan provider, we should’ve been in debt for 15 years but knew that we needed to get out of debt as quickly as possible. After doing the math, we were looking at paying over $135,000 in interest alone over the lifetime of the loans.This would’ve brought the total amount of the loan to $310,000 – which as you can imagine, we weren’t ok with. 

So, in 2019 we really buckled down and linked arms to make major changes to our finances and put everything we had towards paying off debt which also meant making some hard decisions.

We put $24,229 extra towards debt in 2018 on top of our monthly payments of $1,315 bringing the total towards debt to $40,009 (but remember, only half of our payment was actually going towards the principal). 

2019 – This year we got really serious about paying off debt. We were making the most money that we had ever made and we were honestly really tired of saying no to everything. We knew that it was going to take some hard decisions and we needed to refocus our priorities but we knew that it was going to be worth it in the end.

My husband and I both received a raise and were now making a collective $139,000 a year. Monthly take home was around $7,900. 

We cut back much of our spending in many areas including insurances, monthly streaming services, and we made one of the hardest financial decisions – we sold our car back to the dealership. 

It was a really humbling experience. The car salesman was pretty surprised that we wanted to sell our brand new car back but in just a couple of hours we paid off $21,393 and walked out of the dealership with a paid for car that ran just fine for $1,500. It didn’t have all the fancy bells and whistles but it drove and meant we were able to achieve our financial goals faster. I still drive this car around today and love it!

Again, we experienced another financial setback due to health issues. I received a diagnosis that required several specialized treatments that our insurance didn’t cover. Despite this setback, we were still able to knock down our debt. 

We put $57,820 in debt in 2019 alone (a big portion of that was the car that we sold back to the dealership).

Through our debt journey I learned that I really have a passion for helping other people reach their financial goals and decided to pursue a financial coaching certificate and started to build a financial coaching business. 

Because we were paying off debt left and right our credit score dramatically increased and we decided to refinance our student loans for a lower interest rate of 4% but kept our monthly payments the same.

Refinancing for an interest rate just 2% smaller drastically changed how much money was going towards the principle. We went from paying about $600 a month in interest to $250 from a 20 minute phone call with our student loan provider. 

2020 – I quit my job in February to pursue working full-time on my financial coaching business – our income took a huge hit as world events hit the U.S. in March of 2020 and I focused on helping people for free during this tumultuous time. Although we didn’t pay off as much debt as we wanted to, I knew I was helping people gain some semblance of security during an unprecedented time and that was worth our financial goals taking a small backseat.

By November we were under $100,000 in debt and for the first time our debt finally felt more tangible and like we were making serious headway in becoming debt free! 

That year we brought in $106,000 and our monthly take home was around $6,000. We received several stimulus checks that we also put towards debt which really helped and my husband also received a company car which cut down on our monthly insurance payments and gas budget almost completely. 

In 2020, we put about $33,488 towards debt during such an unprecedented time which we were very grateful for making any progress towards our goals because we knew that wasn’t the case for a lot of families out there.

2021 –  As of today, our income is around $112,000 with a monthly take home pay of $6,400. Now that we’re in the home stretch – we’re doing everything that  we can to pay off the remainder of debt. This year we’ve sold a travel trailer, small fishing boat, extra vehicle, and many other miscellaneous things around the house. I also started a fine art painting business to sell some paintings that I’ve done over the years.

We just refinanced our student loan again to get an all time low interest rate of 2.25% which will save us about $1,500 a year that will go directly to the principal instead of interest! 

Literally anything and everything we can do to pay off this debt – we’re doing it!

By the end of this year, we’re looking at approximately $42,000 in debt and we have a goal of becoming debt free by September 2022! 

As you can see, there were a lot of things that came up during paying off debt. But I wanted to give you a really clear and honest picture of what our payoff story looked like!

I feel like there’s a lot of stories out there that don’t show you the hard parts of paying off debt – which for us, there were several moments where we felt like we were stalled out and not gaining any forward momentum.

But, each and every month that we put money towards debt we feel just lighter, more secure in our future, and that much closer to hitting our goals. Despite the setbacks, it’s still worth it. 

Let’s dive into the three specific things that we did to pay off $162,000 in debt in 6 years and not lose sight of our goals. 

1. Get on the same page 

This is one of the most important steps that you can take if you’re married or in a committed relationship.

If you’re not on the same page with finances, you’re going to pull in opposite directions and make little progress.

But, when you both agree on working together and in the same direction, you’ll gain momentum faster and also hold each other accountable to achieving your financial goals. 

In order to get on the same page, I recommend that you sit down at the beginning of the month to create a budget and have that budget readily available to look at.

Hang it on the fridge if you need to.

This way it’s a constant reminder of what you’re working towards and will keep you moving forward together with momentum.

2. Set priorities 

You can’t accomplish everything in a year, so set your top 3 financial priorities that you want to focus on in that given year and only focus on those three things. 

For example, let’s say you make $65,000 a year and your priorities are paying off $15,000 in debt, taking a $4,000 vacation, and saving $3,000 in an emergency fund. 

You can’t, however, max out your retirement, Roth IRA, take 3 luxurious vacations, save $100,000 for a down payment on a house, and do everything else that I mentioned above.

It’s just not feasible. 

Not only that, but you would be setting yourself up for failure because your goals are not realistic and probably would feel very overwhelming and limit you from taking any steps forward.

By focusing on our top three priorities, it helped us to say no to things that didn’t fit into our priorities and kept us on track to hitting our financial goals.

3. Still have fun

As a financial coach, I’ve done a ton of research on human psychology around money. I’ve learned that your brain’s sole job is to keep you safe – to your brain, that means the same.

Because anything different from what you’re doing is scary, uncomfortable, and maybe even a little painful and your brain will do anything to make sure you don’t feel those feelings to keep you safe.

So, let’s say that you have a goal to pay off $50,000 in the next 2 years.

In order to do that, you will likely have to do a couple of things: ask for a raise, cut your spending back, sell things around the house you don’t use anymore, or pick up a side job.

All of these things are outside of your normal routine which means the brain goes on high alert and you might feel stressed out.

When you feel stress over something, your brain will try and keep you from feeling those uncomfortable emotions so it’ll have you focus on something else instead.

When you feel stress, your brain will get you to do something else that brings you happiness or at least procrastinating from the feelings that you’re feeling – like scrolling on social media, binging Netflix, eating that pint of ice cream, etc. Then you feel stress that you didn’t make any forward progress and you rinse and repeat.

Achieving your financial goals doesn’t have to be so difficult when you help your brain understand the benefits to achieving that goal.

To circumnavigate human psychology, it’s important that you still have fun while you’re going after your financial goals. I’m not talking about taking a luxurious vacation every month.

But I am saying that you need to set aside a little money to have fun! This will actually help your brain adapt to new habits and help you achieve that financial goal faster because you’re not fighting against your brain.

It also helps to know that it’s going to be a marathon, not a sprint.

Financial goals, especially large ones, are going to take some time. Unless you win the lotto (that you likely don’t even play), it’s going to take an extended amount of time to accomplish your goals and that’s a good thing!

Long-term financial goals can teach us the importance of patience, delayed gratification, and finding joy in the little things.

This can be translated to everyday life. You learn to say no to the little things because you’re so focused on the long term goal.

Because my husband and I have paid off over $162,000 in debt we know that we can tackle any financial goal that we set for ourselves and we’re actually stronger and a better team because of it!

There are several areas where we saved money that might help you as well – 

  1. Car insurance – We were able to lower car insurance by shopping around regularly. If we felt like our car insurance was too expensive or when they raised the prices after a year, we would shop around for a better quote. On average we save $700 a year by shopping around.
  2. Phone bill – We switched from Verizon to PureTalk to cut our phone bill by $120 a month! Now, I only pay $31 a month for the same service. 
  3. Sold stuff – We sold many many things over these 6 years. We sold a total of 4 cars, a travel trailer, small fishing boat, furniture, vegetables from our garden, old artwork from college, and many other things that I’m sure I’m forgetting! 
  4. Get creative with housing – The housing market is insane right now so I know how hard it can be to find affordable housing. When you think outside the box and find creative solutions you’ll be surprised with how much money you can actually save. You can live in a mother-in-law suite, buy a trailer and rent someone’s backyard to park it on, live in a van, or do a work-trade for discounted housing like we did. 
  5. Refinance student loans – A fun fact about student loans is that you can refinance them as much as you want to. We refinanced our student loans 3 times to get a better interest rate and it’s usually pretty painless.

When we first refinanced our student loans the best interest rate that we could get was 6.5% meaning that about $600 a month was only going towards interest and not even touching the principle. When we refinanced our student loan again a year or so later we were able to save about $350 a month!

As you can see our journey in paying off $162,000 in debt wasn’t a clear path.

It had bumps in the road, things came up that we couldn’t foresee and that’s okay. That’s life! But, you shouldn’t let those bumps completely halt your progress.

We never exceeded $140,000 a year in our income and were still able to pay off our debt in half the time. I’m not saying that it’s easy, but it’s possible. We got on the same page, focused on our main priorities and still had fun in the process.

We’ve traveled to Texas, Montana, Oregon, Utah, Colorado, Nevada, Washington, and California while paying off debt. 

I hope that reading through our journey to paying off $162,000 in debt has been inspiring and given you hope. 

If you want to watch our journey to become financially free by September 2022 and pay off $63,000 in debt, you can follow us over on Instagram where we’ll be giving regular updates! 

Author bio: Ashlee and her husband started their marriage with over $225,000 in debt. They were both working part time, going to college full time, and barely making ends meet. After years of struggling they finally figured out how to link arms and tackle financial goals together. Current debt payoff: $162,000 to date! Now, she’s a certified financial coach and on a mission to help other couples reach their goals by getting on the same page with their finances so they can set up a secure future. You can find her on her website Beyond Millions as well as on Instagram.

Do you have debt? Are you trying to pay it off?

Source: makingsenseofcents.com