Author: The Payoff Plan

Cancelling Subscriptions to Save $$? Ways to keep them all, for FREE!

One of the first things people do when they budget, is cancel their subscription services they don’t “need”. Well, let me tell you right now, I might not “need” Netflix/Hulu/Disney+/AppleTV/etc, but I sure as heck don’t want to cancel them. What if there were ways for you to keep your subscriptions, but stop paying for

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Side Hustle Spotlight: Mercari Seller

Before we had eBay, Mercari, Facebook Marketplace, etc, when we needed to get rid of items and make money we had a garage sale. And even though our grandparents might not agree, technology made this even better. Selling online is now a viable side hustle. No HOA’s to get garage sale approval from, no wasting

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Is entering Sweepstakes and Contests a debt payoff strategy?

Spoiler Alert: Absolutely not. However, it’s a lot of fun and as my dad always said about the lotto, “you can’t win if you don’t play”. Out of all the advice he has given, that might be the only one that stuck. One piece of Dad-advice that never stuck was, “always get a receipt at

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Why I Don’t Use Cash Envelopes for Budgeting

If you’re in the community of people focused on paying down their debt, or focused on budgeting and personal finance, you’ve almost certainly heard about the Cash Envelope Method of budgeting. Popularized by Dave Ramsey, the cash envelope method is a process where at each paycheck, you take out a specified amount of money and

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My Typical Day With a Side Hustle – How I Stay Motivated When I’d Rather Eat Cheetos On The Couch and Watch Bravo

I used to work with a guy named Joe and on Monday he would always ask how my weekend was. I’d ramble off what I did and his jaw would drop and he’d say “someone needs to attach a Go-Pro to you so we could understand how you do so much”. And it was always

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What’s the actual plan? Strategies, tools, and motivation to pay down your debt.

Disclaimer : This post contains affiliate links, which means that I may receive a small compensation if you buy a product or sign up for a service through that link, and there would be no additional cost to you. Each link will be clearly marked if they’re affiliate links. At the time of this post

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