New Year - New Ideas

Well....2018 starts tomorrow.  I have done some thinking and praying and one of the things that came to my mind was to live out the title of my blog - paying off this debt, one penny at a time. I have gotten a large jar (it isn't a coke bottle, but it is a 5 gallon water bucket...it was cheaper), and I aim to fill it up.  Once it is full, I will turn it into a large payment for my student loans.  This could take awhile, because I don't usually carry cash, but I am committed to put every penny, nickel, dime, and quarter that I get in the coming year in this jar.  I have been finding pennies (and quarters) around the house and even picked up a few pennies on the ground while Christmas shopping.  This will be the first of many ideas I have to reduce this debt ONE PENNY AT A TIME.

Would you be willing to help?  Do you have any spare pennies laying around the house that you don't want?  Would you share this blog with your friends and family?  Would you pray?  I have a long way to go to get these paid off, but I am determined not to just keep paying interest.  I guess in 20 years if I still owe money, they will wipe the loan out, but I can't imagine carrying this on my shoulders for the next 20 years.  Thank you for reading this journey.  I will continue to update the blog and have plans to start a fundraiser for a really great organization within the next couple of days.  I will share more once I receive the information.

If you have made it this far, thank you for reading this.  Thank you for being part of my "friends and family".  Happy New Year to you and your families.

One Penny at a Time

I am going to try to focus on the "one penny at a time" portion of my Blog Name.  I am going to find a Coca Cola bottle like the one pictured below and once full, I will turn the change in and make a payment.  This might take me a long time since I don't normally carry cash with me, but I plan on reaching out to friends and family to help find spare change...from their sofa or from their own change purses.  This will be one of my first fundraisers for 2018.

I had one of these banks when I was a kid.  I don't know where it is now...but I am going to find one and start saving one penny at a time.

In January, I have talked to somebody about doing another fundraiser as well.  I love the concept and the work will help a young man with autism, so it is a win/win in my book.  For now, I will be working on filling up this bottle (once I get one) and trying to find a part time work from home opportunity where I can just put everything I make towards these loans.  Our car is paid off, but like I said in the last post, we got a new loan for our new car, so I will use my normal pay to work on paying that off early and anything I can make from a second job or from fundraising will go directly to my school loans.

It feels good to have a plan....now to find a bank....and a PT WFH opportunity. :-) Merry Christmas and a Happy New Year in 2018!