Jessica Ward is a full-time writer and adoptive mom to two wonderful children. She writes to support her parenting/adopting habit. For frugal family tips see The PennyWise Family or @jessc098 and my google+ profile.
Jessica has written 10 awesome article(s).
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Perhaps you acquired your pets before your financial circumstances changed. Perhaps you’re self-employed and having a low month. We’ve been on our journey to get debt-free for two and a half years now, following the “baby steps” from Dave Ramsey. The Ramsey program says you only carry $1,000 for emergencies. Which is fine, until your [...]
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Dear IRS, (You read Debtkid, right? If not, you totally should. Good stuff here.) I’d like to know, why it is unacceptable for me to withhold paying my taxes beyond the due date, however, the IRS is at liberty to delay payment of a refund due indefinitely and without interest. What’s up with that? We’ve [...]
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Note: This is my family’s tax story, not to be confused with actual tax advice from a qualified professional. I’ve mentioned before that we’re an adoptive family. We welcomed our “bundles of joy” to the family in 2005 (daughter age 7 from the USA, now 12.5) and in 2008 (daughter age 3 from Ethiopia, now [...]
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It always hits me (and the kids) this time of year. The inevitable I’m bored feeling. The sky is gray, the house is gray, everything is cold and damp and nobody feels like doing anything. So here in the great Pacific Northwest, a common way to deal with this is to spend our winters at [...]
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PFM, OFM and Online Banking— managing your finds online is all the rage these days, and if you want to get a handle on the big picture that is your money, you really should consider adding these to your personal finance repertoire. I’ve been using the Mint.com OFM now for about two years, and I’m [...]
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One of the things that I use to keep myself focused in my journey to debt freedom is books! I use Audiobooks usually because I can “read” these while commuting, working, washing the dishes and folding the laundry. Audible is my favorite source for audio books. Here are my favorites: The Total Money Makeover, Audiobook, [...]
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For many of us, the battle to get out of debt is a long one, taking many months or years. I’m 15 months into my journey now, and I have about four more months to go. Right now I’m having a harder time than I have before staying on task. The remaining debt is the [...]
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A reader asked us last week “what’s a snowball?” Fair question. We’re talking money, not weather here at DebtKid. Here’s the answer, the best that I can give it to you, but it is further explained in the “Total Money Makeover” by Dave Ramsey. (I highly recommend the audio-book personally). Imagine a snowball rolling downhill. [...]
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I don’t mess around with platitudes and greetings. I prefer to cut right to the chase and show that I truly care about someone by helping them. I’m just not that good at saying so. Don’t get me wrong. I’m no recluse, I truly care about people I don’t even know, and regularly help complete [...]
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As a fellow DebtKid reader, I’m honored to be joining the DebtKid writing team for a while, and I look forward to joining you all in our journey towards debt freedom. My husband and I are a young family in our late 20s and we have two daughters, ages 10 and 3. We live in [...]
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As a dumb 20-something, I day traded away over a quarter-million dollars and found myself deep in debt.
This blog documented my journey through bankruptcy, a short sale, living in my office and more. Now it's a resource for thousands of people in trouble every day.
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