Hello world! I just realized that I made over $2000 last year from what I already do. $2k sounds like a small number, but when you actually look at it, it's a pretty big number.

Alright, lets get to business. I have 6 easy ways to earn money and I'll share them from easiest to most complicated.

1. This new one: Milesup app
-get points for driving.
-I already made $25

2. Use Ebates
-Shop online through the ebates link.
-You can shop in your cart
-But I always like to do a final click
-There are some stores that offer in store cashback too

Call it God, call it Allah, call it Jesus. This quote is so true, so that means I am an Einsteiner. I truly believe there's a higher power out there. I do believe in science ... and supernatural at the same time, even though it's complete opposites. Today, I'm going to share my experiences of "seeing (is believing)" this. I'm not a Christian, but I'll still make some references from there; at the end of the day, it's just words ... that the Christians were given credit/reference to.

1. Today, 1/13/17, I've been so stressed out about new duties at work; accounting! I don't have any background in it at all. Well, I was a bank teller, but that's just basic cashier duties - at the bank. I was so stressed out to the point that I wanted to quit because I was doing (and will be held accountable for) something I didn't know. (It's fricken accounting! Even real accountants have issues with accounting, that means I am at level -1 million). Anyway, I had to gather some reports for the training. I messed up on saving the files, and in accounting, shit needs to match up, especially numbers. Anyway, I was just like, "#### IT! This is what I've got to give them." So on 'training day' (LOL! - starring Denzel Washington and Ethan Hawke), we opened these files. I had lost hope and felt like a POS when the first 2 files' names didn't match. This meant I had to look at all the files again and rename them, so it can be matched nicely. Then the following files, it magically worked out. For example, CHECK FILE - 12 and LIABILITY - 2 went together.

Scientifically, I happened to mistakenly name some files. But it was just too much of a coicidence. I had been stressed out about this, and the Almighty showed me that it will help me.

(My cropped and exaggerated version of the story) A photographer was invited to eat dinner and take photos of food with top of the line chefs of all time. She got ready for the day and attended the event. She sat at the dinner table and the chefs go, "You don't really take great photos. It's just your lens that does the work." Offended, the photographer felt. She wanted to blast them, but she just sat there and listened. When the food came out, she ate it and said, "You don't really cook good food. It's just your oven." She left the dinner feeling victorious. 

You decide what the moral of the story is.

I have always underestimated my photographer skills (because I'm just gifted to be naturally talented :D teehee, jk!) until this weekend's photo session with my family. When all the photos uploaded, you could tell who took which photos. I'm not putting down anyone, but it was just a really funny observation. I can say I took some good ones, and some of them admit to taking bad ones too, lol (life rule: don't be good at something you don't wanna do :D). Unfortunately, the one who didn't have the best results was the photographer, Pang Khang.

"Before you can start something, you have to have an idea of what you want."

Work: I picked up some weekend gigs this month and added 9 hrs during my full-time job M-F. It was really tiring, but the paychecks are rewarding and I was able to contribute $1k toward my student loans. Gigs I picked up from Craigslist were giving out samples at Wal-Mart ($18/hr+ mileage), Beer Samples ($20/hr+ mileage -traveled to Appleton & Milwaukee), holding a sign at a college game because it was going on ESPN ($22), "model" for $50, ask people to take surveys ($20/hr + mileage), and putting together a resume + cover letter for $50. The major key to making money is from mileage. Find jobs that needs you to go far and will pay you by the mileage too.

Student loans: If I can find ways to make an extra $1k/month, I can really reach my deadline of 09-24-18, 23 more months. My life isn't over if I don't pay it off by that time, but not only is it good to have goals, it's a real obstacle I can't wait to get rid of. This is my motivation from my last entry

I mean, I'm just really thinking ahead as a future mother. I don't want student loans to be my motivation to work and also be stuck at work. I love family and I want to be able to work part-time so I have time for my children; so my income goes to them and not loans

I paid off loan 01-12, which was borrowed at $815 + and idek how to calculate the interest I've paid.

And also loan 1-01 $1,434.08

This is the student loan I paid off today. End date goal of 09-24-18. The other day I paid off my first one, but the payoff amount to pay online didn't allow an over payemnt, so I just paid what it said that day (check photo below with green words). 2 days later, a small balance showed up. FUCK YOU NAVIENT! So I called and I'm like, "YOUR SYSTEM IS SHITTY. IT'S FALSE AS FUCK. FUCKEN TELL ME I OWE $1.18 AND DON'T ADD THE DAYS INTEREST WILL OCCUR, AND THEN FUCKEN BLAME ME FOR IT? FUCK YOU."

^Yas. Yea. Yes. That's a real request on Craigslist. I've gotten so many random jobs and gigs from Craigslist. It's amazing what people post up their needs and it's even more amazing that complete strangers meet up to work with each other.

If you don't know what Craigslist (CL) is, you are missing out on the web community. It's basically a place where people post up everything from selling, buying, jobs, car and house for sale/rent, and so much more. I first heard about CL when I was a senior in high school. My supervisor asked if we needed furniture for college, and I said maybe. She said to confirm with her or else whoever saw it on CL would buy it. Then it lead to me being me, which is asking 10 million questions: what is it? is is real? Do people really respond? Can you really sell things? I went home that night to check it out. I didn't utilize it that much at the time because I was an unambitious teenager. Then a movie about a CL killer came out too, but that wasn't a factor to my use of it.

The last time I posted about my finances, more than 300 readers tuned in! Thank you. I enjoy reading about how people make their decisions and also writing about my own.

It's already the 2/3 of September and I am happy to announce that I paid off my Paypal balance of $400 and $450 on my Sears card. The more blogs I read about paying off debt and using the snowball method, the more I disciplined myself to do it. My favorite blog I came across this month was the Millennial-Revolution, which also lead to this amazing one. Just check it out!

This post was created to answer a question from a youtuber, yerisawesome. She has great music choices, so subscribe to her if you need some music. We chatted on facebook, so I thought why not share it. This post will be more relevant to those living in Wisconsin.

If you open a Valley Communities Credit Union (VCCU) account, please say CHOUA KHANG referred you.

Who and where did I open my savings and Roth IRA? 
I chose Valley Communities Credit Union (VCCU). Credit Unions generally have a better reputation for their rates and customer service, which I was five years too late. I was with Associated Bank from 16-21, when I got my first job as a bagger and cashier at Pick N' Save. I stuck with them all the way through college.  Then they had too much fee and charged for everything possible. VCCU is only located in central Wisconsin for now.

It's not the 1900's anymore where a wife will bow to their husband and give up without a fight. Maybe it is still that way for some people, but not me. I don't care if it's 2016 or 1900, I expect my spouse to put in as much effort as me. Maybe out at family gatherings where I need to "play the role" of a woman, I'll put on a show. But in the home, I am an equal. It's easy to say it now, but I have no idea what I will actually do. I come from a home of seven girls and a culture where men are Gods simply for their gender. This point of view might just be me alone.

I started my student loan journey a year ago in this post, August 2015. It is now September 2016, 11 months in. If I really want to be on my 36 months plan, that means I have 25 more months to go. That breaks down my math of $24k/25 = $960/month. It didn't sound possible when I did the math, but now that I really think about it, it could be. Just gotta #werkwerkwerk. It makes me feel great that I can actually put money toward my savings, but it's not really savings when it'll end up going to student loans eventually.

After reading so many blogs about student loans, I finally called Navient, my loan service-r, to see if I can pay with a credit card over the phone. I found out that they accepted it; Vias & Mastercard for sure! I am so lame T____T for not making a payment last month when I just got my BOA card, because my promotion was no interest for charges made 60 days from account. Here are a few things I found out:

In high school, you look at your grade report. When you're an adult, you look at your credit report, lol. Yay! My credit is over 670+, but my goal is 720+ by the end of this year. Why does credit score matter? Read about it here and this one is helpful too. I use credit sesame to monitor my credit. It's completely free; no credit card require. It tracks my payments every single month and tells me my score.

Payment History: C, B next year
Credit Usage: B, A next month
Credit Age: B, A in another year
Account Mix: A
Credit Inquiries: C, no more credit cards until 2017!

Alright, I opened a new Bank of America (BOA) card...because I knew my limits were high! It was $100 cashback/credit when you spend $500+ in 3 months, which I know I will. My extractions is $350 for my co-pay! And I'm gone every weekend, so I spend about $200+/month on gas alone. Not just that, gasoline gets 3% cashback! and groceries is 2%. But the main reason why I opened one was because of the 12 months no interests for purchases made in the first 30 (or was it 60?) days, including transfer balances.

Hello Everyone! Thank you for tuning into this post. You must be a frequent traveler, or will be one, or you just like to keep up with my blog. Either reason, thank you for your time.

I am glad I have a car rental experience to share with everyone today. Remember that time I bought tickets from Frontier for $33/person/1 way? Well, the return flight never dropped, but I wasn't alarmed. Once it was time to leave, I resorted to a car rental back home, which meant a 12 hour drive home!

Calculated through bankrate.com

It's been a long time coming! June is an exciting month for my financials. I'm paying off my Best Buy Macbook Pro, glasses, and credit card tires charge for my parents. Now I can finally be on the road to become a millionaire! I plan to maximize the IRA contribution of $5,500 this year, which breaks down to $458.44/month. That means in 30 years, I'll have $165,000 that can be use to pay off a house if I wanted to.

Oh, and maybe I'll finally get some life insurance, since I'm still healthy, and my mom too. That's a scary contribution and commitment because it's every single month, like student loans.

Thank you for tuning in! I'm so excited to announce all these great credit stuff:

+ Target Red Card limit increase after 3 years with Target
+ Angel VIP upgrade
+ Paid off 1 credit card
+ Paying off 2nd credit card in June
+ Paying off Best Buy MacBook Pro in June
+ Now I can put some money aside for student loans (still a 36 months goal)

Can you believe a few blogs ago, I asked for a 40k+ job and I got one? So yes, be patient. I thought that with that amount, I would change my status from AWESOME --> I'M FRICKEN AMAZING, but it didn't. I still feel the same, but just can payoff more debt now. So I'm excited to announce my student loan plan!

I'm just after being debt free. Paying my student loans in 36 months = 3 years! After doing the math and really preparing myself physically and psychologically, I can do it. So that cat I almost wanted...out the window. I can still shop; I mean, I already budget myself to only $50/month. In addition, I'm going to sell clothes online some time soon. Anyway, here's the plan:

I have autopay for $265/month = $3,180/year
2nd job/additional $300/month = $3,600
========totalling = $6,780/year

Balance of $25,481.99/$6,780 = 3 years and 7 months, but that could be cut down from the auto deduct and the second job, and also raises over 3 years if I stay with the same job.

However, according to the math of .25 when you auto pay, the real balance could be $19,110.75, which knocks down a whole year...

Aiming for 3 years is the plan. However, the actual balance from each payment will hopefully knock a few months off. I can't wait to take photos of each time I knock down a payment.

--This is the effective plan:
1) Call Navient to split my payments bi-weekly. (I called and they only do monthly withdrawals on their end, but if you pay on your end, you won't qualify for the .25 autopay discount. The choice is yours.)
2) Start with just $100/month extra from my bank's bill pay. If you don't have to make the effort to write/send it, you're not as attached to the money.
3) Work 2nd job and all of that pay goes toward loans
I also plan to do the snowball method mixed with interest rate:
01. $871.79
02. $3302.62
03. $5568.73
04. $1563.20
05. $1560.20
06. $3302.62
07. $5568.73
08. $3916.16
09. $2561.44
10. $2668.30

In 3 years, I will be done with student loans && my car payments. That means sky high credit score, just in time for buying a home! I'll have my 401k going and my own personal savings. And in 3 years, KP will be 17 and he's in line for my car. Yes baby, you can have it and I'm seriously getting a 5k car after my car. I am waiting.

Here's a TEDtalk to motivate paying off debt: Adam Baker - Sell your crap. Pay your debt. Do what you love.

Learn more about paying back student loans here