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How We Got Out of Debt: Our Top 10 Tips

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Updated November 18, 2016

In 2006, we got serious about our long-standing debt and decided to tackle it intentionally. We owed approximately $150,000, including our (then) mortgage. At the time, we were a family of 5 with an annual income of $40,000.

How we got out of debt. Things we did, things we learned.

How we got into debt

Other than our mortgage, the bulk of our debt came from school loans, although some¬†came from my own stupidity…

I had an idea for a business and somehow persuaded my husband¬†to let me “invest” $5000 on our credit card. I was careful not to use terms like¬†“borrow” or “debt.” That business never got off the ground but the debt stuck with us.

The first steps

I resisted tackling our debt for a long time because I thought,

I know what they’re going to tell us. ‘Get rid of cable, eat out less, cancel your gym membership, blah, blah, blah.’

We had already done all those things.

We were living frugally, but we were in a holding pattern. And we weren’t really looking for anything different. We were resigned to a slow crawl.

Somewhere in there I was introduced to Dave Ramsey. We began our journey following his¬†Baby Steps. I am a penny counter so I was absolutely shocked when somehow, in the first month, we “found” an extra $1000 for a¬†baby emergency fund (Baby Step 1). And it was relatively painless.

I was hooked.

You mean we can speed this process up?

In Baby Step 2 (a.k.a. our debt snowball, or, all debt but the house), we paid off $25,000 in less than 2 years. This was the most intense part of the journey. Not only was our income tight, I was going through a very difficult time.

The first $15,000 was paid off a penny at a time. It meant a lot of sacrifice and intentionality. My personal struggle eventually led us to sell our previous home. The amount we made on the sale of that house (about $10,000) got us over the last hump. Baby Step 2 was done.

After selling our home, moving across the country and deciding to settle here in Texas, we bought a modest home. It’s smaller than we’d like, but we didn’t want to get in over our heads again.

Where we are today

We’ve remained¬†debt free (except for our current house, which we hope to pay off in 2016)¬†and we have 3+ months’ worth of living expenses in the bank.¬†Update: We made the final payment on our house on June 16, 2016. We’re 100% debt free!

For most of the last 10 years, our annual income fluctuated between $40,000 and $50,000. Once our children got older and once I felt well again, I focused my efforts on my online business.¬†It¬†has been completely bootstrapped. In the last couple of years, by God’s grace,¬†it has increased our income substantially¬†and accelerated¬†our debt journey significantly until we’ve finally reached zero debt.

Our general money principles & tips

  • Live generously. An attitude of giving instead of getting changes everything. And it’s an absolute blast!
  • Planning is key. Without a plan, money tends to come in and go out unnoticed. I honestly thought I had a great handle on things. Then we started writing things down.
  • Understand the 10/90 Rule. 10% of our financial success is due to our wise choices, 90% is due to God’s grace. Our job is to obey, trust and pray. His job is to make ends meet.

1. Tithe

Call me cheesy or too religious if you’d like, but I will talk about the benefits of tithing until the cows come home.

First, in my opinion, too many people quote Malachi 3:10 and use it in a weird way. They tithe¬†because it’ll get them something (i.e. opened floodgates with blessings crashing through).

This makes me a little crazy.

To me, tithing is about connecting. It’s “putting my¬†money where my¬†mouth is”‚ÄĒa physical reminder I’m¬†gettin’¬†on God’s bus. Not my¬†own bus. Not someone else’s bus. God’s bus. And He’s drivin’. Yeehaw!

Once I got over letting go of driving my own bus, I could enjoy the ride. The actual money part of it became secondary.

The best part was being on God’s bus.¬†He’s a great driver y’all. The best actually. Because He knows places no one else does.

We give at least 10% of our gross income every month, even when it doesn’t make sense on paper. (Believe me, there were times when it didn’t make sense on paper.) I don’t really know how it works, but God fills in the gaps every time. Try it, you’ll see.

2. Read The Total Money Makeover

I don’t agree with everything in it, but¬†The Total Money Makeover¬†by Dave Ramsey was a huge motivator for us. It’s a quick read and the stories of real people are¬†inspiring.

3. Write and stick to a budget

This is imperative and it doesn’t have to be scary. Use the tools here, here or here.

4. Use the envelope system

Each month, dole out your money to your different budget category envelopes. Once the money in an envelope is gone, you’re done spending in that category.

I’m a computer geek so I must have tried every computerized envelope budgeting system available. Then I found software called Budget. There’s a bit of a learning curve at first, but it’s the best and cheapest software I’ve found that works with the envelope system. We still use it.

5. Follow financially like-minded people

Their stories will inspire you and keep you motivated. Listen to Dave’s radio show (especially on Fridays when people call in to share their stories) or do some googling and find some blogs.

6. Splurge on purpose

Build some breathing room into your budget for feasible luxuries and the well-being of your soul. Total deprivation today leads to excess spending later. My luxury? A slightly higher setting on the furnace.

7. Think upside down

Instead of asking the question, “How much can we afford?” ask “How little can we reasonably get by with?”

8. Model well for your children

Instead of saying, “We can’t afford it,” say, “We’re choosing to spend our money on something else.” The former breeds a victim mentality, the latter, responsibility and freedom of choice.

9. Purge and organize your stuff

First, get rid of stuff regularly. It costs time, money & energy to store it, maintain it and move it. Then, keep it organized so you won’t buy stuff you already own. (Clothes and food in the pantry/freezer are big potential pitfalls here.)

10. Don’t assume

Buying in bulk is not always more economical. Generic brands are not always cheaper than name brands. Eating out is not always more expensive than eating in. Figure out costs per unit or per person to make the better choice.


There are far more spectacular becoming-debt-free stories for sure. But it’s all relative I suppose.

When we started, we were barely scraping by and financial freedom felt like a dream. We discovered it’s not just a dream. With a little sacrifice and creative thinking, it can be a reality.

Here’s my point: just start, then press on.

Like this post? Share it!

The post How We Got Out of Debt: Our Top 10 Tips appeared first on Amy Lynn Andrews.


10 Tax Tips for Bloggers

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Updated January 10, 2017

Yay for taxes! Fun, right? Well, not super fun, but I do appreciate things like the library and fire fighters so I gladly do the tax thing.

I remember the days when I could do my taxes in about 20 minutes flat. Get the W-2, fill out the EZ form and go. But now, self-employment makes things a tad more complicated. I still wouldn’t trade it.

Now that I’ve been at it a few years, here are my tips.

Ten tax tips for bloggers

Disclaimer & disclosure: I’m not an accountant or a lawyer, this comes from my personal experience only. Please seek the help of qualified professionals to help you with your personal situation. Also, some of the links included below are affiliate links, meaning, if you click through and make a purchase I will get a commission (at no additional cost to you).

1. Count all your income

Blogging income is not just the cash you make. It includes any compensation, like items you received for reviews, Swagbucks, trips, conference sponsorships, conference swag, free stuff (appliances, clothes, household products) and more. Check out Sarah’s post for a detailed breakdown.

Related: You might also want to check out my post 12 Things to Do Before Making Money Online.

2. Report all your income even if you don’t get the forms

Because my relationship status with many of the companies I work with is “contractor” or “affiliate” instead of “employee” I get a lot of 1099-MISC¬†forms during tax time. They show how much non-employee income I received during the year. Even if I don’t get a 1099 from a company (because someone forgot or because my income didn’t meet the $600 threshold) I still report the¬†income. This is why it’s so important to keep track of everything that comes in during the year.

3. A word about PayPal, the 1099-K and double reporting

A few years ago I encountered this¬†situation. Someone else emailed me saying they encountered it as well so I thought I’d mention it here.

Here’s the situation:

I am an affiliate for some companies who pay me¬†through PayPal. At tax time, the company I’m an affiliate for issues me a 1099-MISC (and notifies¬†the IRS) as it should.¬†But also, PayPal issues me a 1099-K for the same amount (and notifies¬†the IRS).

Both do so rightly. As explained on the IRS site, companies who pay a contractor more than $600 in a year must issue a 1099-MISC and file with the IRS.¬†As explained on PayPal’s site, PayPal will issue a 1099-K and is required to file with the IRS¬†if in one year you receive more than $20,000 and 200 or more payments.

The problem is, effectively, my income was reported to the IRS twice so the IRS thought I made twice as much as I did.

When this happened the first time, I didn’t catch it while I was filling out my taxes. Several weeks after filing my taxes (actually I think it was closer to¬†a year later), I received an official letter from the IRS telling me I had not reported all my income. As a recovering rules girl, I panicked slightly, for I do not like being in trouble. However, they sent paperwork along with the letter allowing me to explain the situation, which I did, providing¬†probably way too much documentation as proof. ūüôā A few weeks¬†later¬†I got another letter from them stating they understood and I was all clear.

4. Don’t do the heavy lifting yourself

While I don’t love doing my own taxes, I don’t hate it either. And our tax situation isn’t so complicated to warrant¬†hiring someone to do it for us (plus, I’m cheap). But, doing taxes manually is not so much fun. For several years I’ve used¬†Turbo Tax¬†(the online version). I highly recommend it.

Update: In 2016 as our tax situation became¬†more complicated, I decided to hire Josh Bauerle of CPA on Fire. He has been great. He helped us become an S-Corp (a significant tax benefit in our case), he has been very accessible via email throughout the year (I took advantage of this a lot as¬†Texas seemed to have a hard time¬†grasping the change in our tax situation and kept sending letters), he knows the unique situations of bloggers (he works with people like John Lee Dumas of Entrepreneur on Fire) and it’s great not having to worry about doing our taxes on our own. As you can see from the Services page on his site, hiring a CPA is a significant investment so I recommend waiting until you have ample revenue to justify the cost.

5. Estimate right

As a self-employed blogger or freelancer, you may have to pay quarterly estimated taxes. That is, 4 times a year you have to send in a chunk ‘o change to the IRS since you don’t have an employer withholding taxes for you. In the past I underestimated which meant I¬†had to shell out extra cash when I filed my return. Talk about sticker shock.¬†These days, as I receive income, I automatically send¬†25% of it to my “Taxes” envelope. It’s good to eliminate surprises.

6. Don’t forget to issue the right forms

Do you work with contractors, like designers or virtual assistants? Do you pay affiliates for an ebook, a product or a service? If so, you might have to issue 1099-MISC (or other forms). Technically these have to be sent by January 31. (Turbo Tax makes this super easy with their Business service.)

blogging taxes 1099

7. Deduct what you can

There are many things you can deduct as a blogger. There are some good lists compiled here and here.

8. Use this year to get ahead for next year

The first few times you wade through tax season as a blogger, no doubt you’ll realize how many pieces there are to the puzzle. And if you’re like me, they’re scattered all over the place. My recommendation is, as you walk through the steps take notes. Note categories, expenses, income sources, etc. Use those notes to get organized for the next tax season.

9. Handy tools to keep track of things

If you’re not a fan of keeping all your receipts and documents in a¬†shoebox, an app I really like is called Scannable. (It works with Evernote like a dream.) It allows me to easily grab an image or PDF on my phone and save to Evernote.

Accounting or bookkeeping software РThere are many options. Wave Accounting is free. QuickBooks is popular as is FreshBooks. I personally use a little-known software application called Budget which allows me to use the envelope system easily.

Form W-9 – Reputable companies will require you to fill out this form before they pay you as a contractor. You may also want to require your contractors or affiliates to send one to you, especially if you know you will pay them more than $600 in a year.

Form 1099-MISC – What you may need to issue to anyone you’ve paid through the year. If you are working with a CPA or software like Turbo Tax, you may not need this hard copy.

10. Helpful resources

Killer Tax Tips and What Business Type to Form – This podcast episode with Josh Bauerle on The Amazing Seller was key in helping us decide to become an S-Corp.

Get Ready for Taxes – Deductions Tips – Sales Tax – Mistake Prevention – This episode is also helpful, particularly if you sell tangible goods on Amazon. (Josh’s website is also helpful.)

Your Blogging Business: Tax Talk & Tips from a Bookkeeper Turned Blogger РThis ebook was written several years ago but was very helpful for me. It has practical tips and information and discusses the issue in great detail.

As I mentioned before, check out my post 12 Things to Do Before Making Money Online.

The post 10 Tax Tips for Bloggers appeared first on Amy Lynn Andrews.


How to Fix Destination Folder Already Exists Error in WordPress

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Are you seeing ‘Destination folder already exists’ error in WordPress? This error usually occurs during the installation of a theme or a plugin which prevents you from finishing the installation process. In this article, we will show you how to fix destination folder already exists error in WordPress.

 How to Fix Destination Folder Already Exists Error in WordPress

What Causes Destination Folder Already Exists Error in WordPress?

This error occurs when you are trying to install a WordPress theme or plugin. WordPress extracts your plugin or theme’s zip file into a folder named after the file itself.

If a folder with the same name already exists, then WordPress aborts the installation with the following error message:

Destination folder already exists. /home/user/

Plugin install failed.

Destination folder already exists error

The first thing that you should do is visit your themes or plugins page to see if you have it already installed on your site.

If it isn’t already installed, then this could mean two things:

1. A previous attempt to delete the plugin or theme didn’t succeed, and it left the plugin / theme folder behind.

2. A previous installation attempt was interrupted and left an empty destination folder.

In either case, there is a folder with the same name as the theme or plugin you are trying to install. This folder is stopping WordPress from completing the installation.

That being said, let’s take a look at how to easily solve destination folder already exists error in WordPress.

Fixing Destination Folder Already Exists Error in WordPress

First you will need to connect to your WordPress site using an FTP client or cPanel File Manager.

Once connected, you need to go to the /wp-content/plugins/ or /wp-content/themes/ folder (depending on what you were trying to install).

Now, look for the folder named after the plugin or theme that you were trying to install and then delete it.

Delete folder

You can now go back to your WordPress admin area and retry installing the plugin or theme like you would normally do.

You should be able to install your WordPress plugin or theme without any error.

We hope this article helped you learn how to easily fix destination folder already exists error in WordPress. You may also want to see our ultimate list of the most common WordPress errors and how to fix them.

If you liked this article, then please subscribe to our YouTube Channel for WordPress video tutorials. You can also find us on Twitter and Facebook.

The post How to Fix Destination Folder Already Exists Error in WordPress appeared first on WPBeginner.