The Power of Community
- Created on 15 September 2014
Those on the debt free journey with the Debt Free Divas know full well that we advocate partnership when cleaning up a financial fiasco. Partnership in the sense that members of the team keep one another motivated, accountable, and supported. That team can be two friends or an entire commune working towards a resolution. In theory, this concept is fantastic. Practically speaking, schedules may be harder to align as work, family duties, and – let’s be honest – play time can make it harder to connect consistently.
We’ve found the research (3 Steps to Phenomenal-ness). Addressing goals in groups leads to a 33% increased possibility that said goals will be achieved. Let's review my latest group experience. Weight loss is a challenge for many. I'm no exception. Add in a rather ravenous pregnancy period and I have a mammoth hill ahead to climb. I’ve conquered this challenge before, but with two kiddos under two, my excess energy level left for exercise was limited. Enter an exercise accountability group. Of course, we didn’t refer to our weekly gathering as such. In hindsight, that’s exactly what it was. A group of friends meeting weekly for a brisk walk on the lake, a bit of gabbing, and a whole lot of spurring one another other on. Encouragement! The Power of Community Accountability Experiment
Find Flight Credits
- Created on 10 September 2014
I picked up this great tip from a friend and felt compelled to share. Did you know that some airlines actually care about your pocketbook? Alaska Air, Jet Blue and my personal favorite - Southwest Airlines - will credit your miles account if the cost of a ticket drops after you've purchased it. They don't even charge an extra fee for the service. How cool is that! Apparently, these policies are not published, but according to my friend and this nifty fare watch blog site the policies are practiced. Of course, you'll need to either check the flight prices post-purchase or set price watch alerts to stay on top of any changes. Most credits will expire within a year of purchase.
This nice chart, provided by Airfare Watchdog, lays out the details on many airlines. This works best when you work with American companies. Tickets purchased on sites like Priceline.com don't apply.
DIY Debt Verification
- Created on 04 September 2014
I was preparing the kiddies for bed a few nights back while listening to an interesting radio show on personal finances. Yes! Some of us still listen to the radio. A lady called to ask if there were any moral landmines associated with using a debt verification company to wiggle out of debt. You probably have the same question…what is a moral landmine? Okay, I just made that up and I’m sure your question was actually, what’s a debt verification company.
It sounds like this person received a telemarketing-type call offering a service to reduce outstanding debt up to 75% (are your spidey senses tingling yet).