, so I spent most of grad school living with a roommate in a very low-cost rental. I moved from there to a modest off-campus apartment that also had well-below-average rent for my city.
I also cut my cable , took my lunch to work regularly instead of going out, and avoided any superfluous spending. Anything you can do to keep expenses low gives you more money to pay off your debt. One lesson from my Boy Scout days was constantly on my mind and helped me succeed in managing expenses: A Scout is thrifty.$4,000 child tax credit I get now as a parent
This meant I didn't have to think about paying, and it automatically put me in a place where I was making a full extra month of payments each year. Thanks to 26 paydays per year — every other week instead of twice a month, which would have been 24 — it was like making 13 months of payments per year.
Yes, continuing to live like an impoverished student to pay off student loans, buy a house, and buy a car has worked for me. But I’m single and have no children. I never could have done it if I had kiddos. I don’t even know how some people manage.
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