Growing up, my family was on a tight budget. To help make ends meet, my sister and I would wear hand-me-downs from family and friends, and my mom would sell our old clothes at garage sales and consignment shops. Being brought up this way — I guess it was only natural for me to resell […]
The post Selling on thredUP – How Much Money Can You Make? appeared first on The Work at Home Woman.
“This one’s Michigan, this one’s California, this one’s Florida, this one’s also Florida, this one’s New Jersey, this one’s New York, this one was Florida, and this one was in Long Island…”
Jen Glantz is rattling off states with perfect recall as she thumbs through a closet full of satin, charmeuse and chiffon — most in various shades of pastel. Each bridesmaid dress is well worn, from deodorant stains to tattered hems. Each carries a story.
Sure, plenty of us have at least one or two bridesmaid dresses shoved in the back of the closet, never to be worn again. Glantz has enough to rival a bridal boutique.
And no, it’s not just because she has a lot of recently wed friends — although that is a factor in her story. Glantz is up to her ears in dresses because she makes a living as a professional bridesmaid.
How does one find herself in the business of being a professional bridesmaid? Let’s back up to 2014, when Glantz was 26 years old — or as I like to affectionately call it, “Fridge is Covered in Save the Dates” years old.
One day towards the end of June, Glantz received not one but two phone calls with hopeful brides-to-be on the other end, bearing the same question: “Will you be my bridesmaid?”
In that year alone, Glantz found herself taking on the mantle of bridesmaid four times.
She was so well versed in the art of bachelorette parties, rounding up unruly bridesmaids and holding up poofy wedding dresses that she was practically a professional. And throughout it all, she noticed a common trend in the wedding industry.
“There was nobody there whose job it was to help the bride,” says Glantz. “If the bride had a wedding planner, she was so busy setting up the wedding. If she had bridesmaids like myself, we were very distracted, and we didn’t know how to help her.”
Glantz decided to capitalize on this gap in the industry and put her finely honed bridesmaid skills to work. She posted a Craigslist ad: Professional Bridesmaid – wfw – 26 (NYC).
Let me be there for you, she implores future brides with not-so-great options in the bridal party department. Let her “make sure bridesmaid #4 buys her dress on time and doesn’t show up three hours late.” Let her fill a spot if “you don’t have any other girlfriends except your third cousin, twice removed.”
Within two days, Glantz had received over 250 responses.
Clearly, there was a demand for a service that offers the chance of a stress-free wedding. So Glantz decided to start her own business, Bridesmaid for Hire.
In the four years since that fateful Craigslist ad, Glantz has worked with more than100 clients all over the country.
She has expanded her services and become the ultimate bridesmaid boss, offering various levels of bridal-related help and working with five to 15 clients a month.
For the bride-to-be who just needs a bit of a nudge in the right direction, she offers one-on-one coaching for $179. Someone thinking of hiring a wedding planner can turn to Glantz instead for day-of coordinating services, which range from $850 to $1,350.
Then there’s the ultimate package: A full-fledged bridesmaid for hire, which can cost upwards of $4,000.
But this package doesn’t mean Glantz will simply show up on the day of the wedding, ready to walk down the aisle. She works with brides for anywhere from three months to a full year before the wedding date, helping all along the way.
“During that time, we get to know each other… I’m there for all of the big milestones,” says Glantz. “One thing I’m super proud of is that I help people save money, so I’ll look at vendor contracts and say, ‘They’re ripping you off, you can save money here.’”
And it’s not just the brides that Glantz offers her expertise to. Maids of Honor who are a bit unsure how to move forward can get a crash-course coaching session for $99. Or maybe the MOH just doesn’t have a way with words. Lucky for her, Glantz offers speech-writing packages ranging from $200 to $375.
That way, the MOH can avoid the dreaded awkward silence after an inappropriate inside joke falls flat. #blessed
You might be thinking something along the lines of “I could totally do this job,” but keep in mind just how many services Glantz offers.
In reality, this gig is nothing that like that movie “The Wedding Ringer.” Glantz isn’t just attending party after party, dancing the night away and munching on wedding cake — although we can all agree that wedding cake is definitely a perk.
Glantz is a personal assistant, planner, coordinator, coach, shoulder to lean on, speech-giver, peacekeeper and situation-diffuser all wrapped up in one — usually in some version of chiffon.
One wedding, she might be “Jen Smith” and makes sure that a bachelorette party actually gets planned when the maid of honor drops the ball. At another, she’s known as “Jen Cohen” and saves the day with her emergency pack full of Band-Aids and stain-remover sticks.
Along with the pseudonym, she’ll have a different backstory explaining how she knows the bride, since most don’t particularly care to explain that they hired a bridesmaid. To some, the idea of assuming a new identity and attending a stranger’s wedding might sound strange, but Glantz insists that it all feels very natural and authentic to her.
“I’ve always thought to myself ‘This is what I’m meant to do,’ and I know that sounds crazy because who thinks they’re meant to be a professional bridesmaid?” says Glantz.
Recalling the first wedding she ever worked, she says she got off the plane in Minnesota and thought to herself “Jen, what are you doing?”
But everything went off without a hitch, and she finally felt like she was doing something she was meant for. Glantz says she’s always had the skills that make her so good at this, such as dealing with challenging or dramatic situations.
And everyone knows that weddings are rife with drama, right?
Glantz’s experiences as a professional bridesmaid and CEO have led to other opportunities. She freelance writes for major publications, speaks at conferences and has written two books, “When You Least Expect It” and “All My Friends are Engaged.”
Between Bridesmaid For Hire and her other endeavors, Glantz says she earns tens of thousands a year.
Always looking ahead, she’s expanding her services with Bridesmaid for Hire. She recently started offering packages for mothers-of-the-bride, who need their own type of support but often get forgotten.
She’s hired a few people along the way, including another professional bridesmaid, but has decided to offer another service to hopeful employees instead of hiring them.
“I always have people who want to work this job, so I started a franchising program where people can come learn exactly how this business works and then start this business for themselves wherever they live in the world,” she says.
For $249, you can learn the tricks of the trade, such as the ins and outs of the wedding industry, how to brand your business and how to secure clients.
One can hope that future bridesmaids-for-hire share Glantz’s sentimental feelings about the business.
“I feel very lucky with this job because I get to be present at one of the best and happiest moments of a person’s life,” she says. “It’s taught me a ton about love, it’s taught me a ton about weddings, and it’s really shaped how I feel about relationships.”
And if they’re anything like Glantz, maybe they’ll end up with a closet full of bridesmaid dresses of their own, unwilling to part with them and the memories they carry.
Kaitlyn Blount is a staff writer at The Penny Hoarder. She is currently planning her own wedding, a maid of honor in another… and a bridesmaid in another. Maybe she could use some of Glantz’s professional help.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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What’s inside? Here are the questions answered in today’s reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question.
1. Prepping for shutdown #1
2. Are piano lessons worth it?
3. Which loan first?
4. Prepping for shutdown #2
5. Investing teenage earnings
6. Tax preparation for Linux
7. Prepping for shutdown #3
8. Renting versus buying
9. Cord cutting in 2019
10. Prepping for shutdown #4
11. 50 year old mixer value
12. Strategies for reading more
Before I get started today, I wanted to address the government shutdown in a general sense.
One, I am not interested in talking about the politics of what’s going on in Washington right now. That is not a topic of interest to The Simple Dollar.
What I am interested in, period, is the impact that this shutdown will have on the everyday lives of a lot of Americans if it continues. This doesn’t just affect federal employees, who are about to reach their first missed paychecks. It affects a lot of government contractors as well. There are many people who have already lost irrecoverable work due to the shutdown and within a week or so there are many, many people who are going to be hit hard by the financial aspect of this shutdown.
Over the weekend, what had been just a question or two about the shutdown turned into a flood, and I’m going to address the apolitical ones in this mailbag. I don’t want to turn it into an “all shutdown” mailbag, but there will be multiple questions on the topic.
I do expect that the shutdown will be over within a month, perhaps within a week or two. However, it is a good idea to prepare for a shutdown that extends indefinitely.
A final note: I know that there are Simple Dollar readers who work for large banks and major credit card companies. If you want a PR bonanza right now, you should consider rapidly promoting and issuing a credit card with 0% APR and free cash advances until 30 days after the shutdown as well as no payments due until 30 days after the shutdown. I generally don’t advocate for credit cards in any way, but this is an exceptional situation and an offer like this one could make the difference for a lot of families. I also call on banks to issue letters to federal employees that they’ve loaned money to and extend a grace period through 30 days past the end of the government shutdown. Those kinds of moves will earn you an incredible amount of goodwill from your customer base, earn a lot of great PR, and also actually help a lot of families right now, without a steep cost to your business (it’s basically customer acquisition).
On with the questions.
Hi! I am 29/F single and sitting at home since the shutdown began. Great job when I’m not locked out. I have 3 months emergency fund so things are fine for me but I am wondering if I should look for other work.
– Alicia
I don’t think it’s a bad idea to use this window to see what’s out there in your field, though you might not necessarily want to jump ship quite yet if you like your current job quite a bit.
If I were you, I’d do some job searching and put out some feelers if you have a professional community in which to do so. This is a moment to polish your resume and think carefully about your next steps.
My gut feeling is that the shutdown will end in the next month or so, so you should be able to ride it out and go back to work. However, it doesn’t hurt to take a look at the job market in this moment.
Do you have any experience with learning piano/keyboard? We’ve been gifted one for my 8-yr old daughter. I know how to read music and notes from the treble clef, so I thought I would help my daughter learn notes first and then set down to the keyboard to see if there’s any real interest before investing in lessons. Any and all suggestions/resources are appreciated!
– Mandy
Not too long ago, we had a daughter in the same exact situation and an old keyboard in the closet.
Our solution was simple. We set up the keyboard with a bench near our daughter’s bedroom and let her play around with it. We wanted it to feel completely like “play” so that she could engage with it on her own terms and decide if it was fun.
We told her that she could try whatever she wanted (provided she didn’t turn the volume up to max) and she could ask her grandma (who can play well) if she had any questions. We wanted to see if she engaged with the piano on her own terms in her free time because it was a genuine interest before we invested in lessons.
And she did. She kept sitting down at the keyboard and trying different things. She would hear a song and then go down there and hit keys until she could piece together the melody, with no lessons at all, and she was doing it every day or every other day, completely on her own.
That was when we decided to get her lessons. If she hadn’t touched it, we wouldn’t have bothered.
I’d try the same approach. Set it up and see if your daughter gravitates to it during her spare time. If she does so consistently and tries to figure out melodies on her own, then lessons would be a good idea. If she doesn’t ever touch it and it starts to gather dust, piano isn’t for her.
Hey Trent, I have a question regarding which loan to pay off first.
Loan A $5000 @ 4%
Loan B $1000 @ 7%
My daughter says to pay off the larger balance and I say to pay off the higher rate first. Thanks and I enjoy your writing.
– Dan
You’re absolutely right here, Dan. You need to look at it in terms of total interest.
Right now, Loan A ($5,000 at 4%) is generating $200 in interest a year. Loan B ($1,000 at 7%) is generating $70 in interest a year.
Let’s say over the next year you’re able to pay off $1000 in debt.
If you put the $1,000 toward Loan A, it’s now $4,000 at 4% and is now generating $160 in interest. Loan B is still generating $70 because it didn’t get paid down. Thus, your total interest is $230.
If you put the $1,000 toward Loan B, Loan A remains at $5,000 and still generates $200 in interest, but Loan B is paid off and thus generates $0 interest. Thus, your total interest is $200.
You want to aim for the lowest total interest, so paying off Loan B first is better. Paying off the debt with the highest interest rate is always a good call.
My wife and I are both federal employees. We have three kids. We can make it through the end of January without missing any bills but after that what do we do? Live on credit cards? We don’t have great credit.
– Bob
First of all, as I said at the top of the article, I think the shutdown will be over within a month. I would not go into panic mode at this point.
Having said that, you should take this opportunity right now to shore up some things. This time off is a great window to do some things like going through your closet and selling off unwanted possessions, air sealing your home to cut energy bills, and prepping some meals in advance. Those are little things that will help cut bills going forward and make it easier to get through if the shutdown goes on for a while.
I would also strongly encourage you to start polishing up your resumes and asking around your professional networks about job openings. That doesn’t mean that you’re going to quit your job and move on, but that you start opening those windows in case you need to make that leap.
I have two teenage children who have a very successful neighborhood landscaping business. The older one cleared over $10,000 this year; the younger one $2000 (he assists as needed). They keep up with their schooling, play flag football, go on family vacations and are involved in church and extended family activities, volunteer as tech for a local youth theater. Great kids. My question is, what should they do with their money? I’d like to see them invest some of it in a Roth IRA, where they can tap the capital without penalty as needed, but start longterm savings even if it is just with the interest accrued until they need the capital. Not sure if college or trade school is in the cards for the 16 year old; 14 year old is definitely college material but lacks direction for now. What would you recommend?
– Alice
A Roth IRA is a solid idea here, especially if you’re not sure what they’ll be doing in the future. A 529 account is also a good idea, as it can be used for any educational purpose.
For the older child, $10,000 is well over the maximum contribution to a Roth IRA, so he’ll have excess to deal with. If I were him, I’d max out the Roth IRA, then put the rest into a 529. The money in a 529 can be used for tuition, books, supplies, room and board, and other expenses at any accredited trade school or college in the country.
For the younger child, you could go either way. I’d probably lean toward the 529 for him, but either one is fine.
My tendency is to assume that all children will eventually have some form of postsecondary education, whether it’s trade school or college, and putting money in a 529 never hurts.
I just bought a Linux system. Are there any tax preparation products that work on Linux systems?
– Kevin
There isn’t a good tax preparation software package available for Linux.
The best solution if you’re a Linux user is to use a web browser based tax preparation tool. In my experience, the best wholly browser based package is Tax Act, which is what I’d recommend in your situation.
If your return is simple (you don’t have children and just have a normal paycheck), it’s free. Otherwise, you’re probably in the Basic+ or Deluxe+ package.
I work for [a government agency that isn’t shut down) but am not getting paid for my work or should I say I will get my back pay whenever the shutdown ends. If I don’t work though I could lose my job. I have a 45 minute commute each day and I am getting worried about being able to buy gas. My credit cards are almost maxed out after Christmas gifts.
Best strategy here? If shutdown doesn’t end by end of month I am out of money and no credit either.
– Jeff
First things first: you have to live as absolutely lean as you possibly can. Don’t eat at restaurants. Don’t go to coffee shops. You have to cut all of that out until the shutdown is over. This shouldn’t be optional. If it’s uncomfortable, blame Washington.
Second, I would be using every spare second I can to search for another job. Unlike a few of the other people who wrote into the mailbag, you really can’t afford any shutdown time at all. Polish your resume and use every spare second to hit the job searching hard.
Third, never, ever, ever let yourself be in this situation ever again. This absolutely has to be a key learning moment in your life. It is an extremely poor idea to be in a situation where you are dependent on the successful arrival of the next paycheck. You have to start living a little beneath your means and putting aside some money to get rid of debt and build up an emergency fund. If you don’t do that, you’ll be right back in this bad situation as soon as anything goes wrong.
I suspect the shutdown will be over within a week or two, but don’t forget how this feels. Never forget how this feels. Use it as a tool to shape things for the better.
What happens when you get old and rent is higher than you can afford?
– Lynn
This question is part of an ongoing discussion about renting versus buying.
If the rent is higher than you can afford, then you either (a) have to earn more income or (b) have to move to a lower cost situation. That doesn’t change, regardless of your age.
The implication, of course, is that you’re paying in old age for mistakes when you’re younger. That’s likely true, but the mistake wasn’t in choosing to rent. The mistake was in renting and then not wisely using the amount you’re saving each month. Home ownership is an expensive proposition, one that is not fully recouped, as it includes insurance, property taxes, and tons of maintenance costs on top of the mortgage. Those costs far exceed the typical cost of renting (which has no property taxes, minimal insurance, minimal maintenance costs, and often includes some utilities, too).
Obviously, the worst move is to rent and then put nothing aside for the future. If you’re doing that, you’re neglecting much of the advantage of renting.
I want to cut the cord in 2019. Will you have an updated cord cutters guide? I was read the 2018 version, but it did not mention Roku devices at all. I just scored a good deal on one at a discount. Thank you for the great service you offer all of us in living a more conscious life!
– Anna
There are a plethora of devices on the market that attach to your television and provide streaming services and Roku is definitely one of the options. I simply didn’t recommend it in the earlier post as I hadn’t used one since 2010.
Since that post, I’ve actually had experience using multiple Roku models and I’d put it on par with any of the other streaming devices I’ve tried (Apple TV, Amazon Fire, and TVs with embedded streaming tools).
I don’t have a specific recommendation other than to say that if you’re getting one of those three, you’ll be fine, so you should just seek the best deal you can.
I am 56 F federal employee for 31 years. Sure you’re getting questions about shutdown. I have been through several of them. My advice is to just enjoy the time off and don’t panic. Not good for national economy or for any of the politicians to not pay federal workers for very long and none of them want this stuck to them. They will work it out one way or another and I expect it quick. Just enjoy the vacation! I visited my grandkids for a week.
– Mindy
This is a nice shot of reality here from Mindy.
There is a strong political motivation in Washington to end this shutdown, particularly when it reaches a point where federal employees miss a paycheck and start being unable to pay bills. The backlash against Washington will be incredible and the damage of losing employees and losing faith from those who remain will be nearly irrecoverable, not to mention the further erosion of trust from the American people.
Keep that in mind. Prepare, but don’t panic. Enjoy the time off a little bit.
My great aunt has a 50 year old stand mixer that has worked since I was a kid. She is unloading a lot of her possessions and says she’ll ship it to me if I pay the shipping cost which is about $32. Is it worth it?
– Danny
A lot of those old appliances will basically run forever. The mechanics inside are usually simple and very well constructed.
If you have a use for the old stand mixer, then it’s probably worth it because that thing will likely keep running for many, many years to come.
The question you should really ask yourself is if you have a use for it. If you don’t, then spending $32 to have that large object shipped to you isn’t worth it.
Do you have any tips for a “read more in 2019” resolution? I want to check out books from the library and read more.
– Barry
My recommendation is to turn off devices for an hour each evening, sit in a comfortable chair, and just read. Turn off the TV. Turn off your phone and leave it in another room. Turn off your tablet and leave it in another room. Just settle in and read.
Screens are such an easy distraction. They’re usually moving and making noise, so we’re instinctively pulled out of our focus to look at them. Our phone dings or vibrates with a reminder. Something moves on the television. Our attention is grabbed.
The best thing to do when you have a book in your hands is to kill those distractions completely for a while and let the book take you away. I find that I’ll often lose track of time in a book if it’s good, which is why I will sometimes set a loud timer in the other room when I must stop reading.
That’s my big suggestion for you.
Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. I’ll attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours.
The post Questions About the Shutdown, Piano Lessons, Teenage Earnings, Stand Mixers, and More! appeared first on The Simple Dollar.
With that wintery chill in the air, there are times where my family and I love spending the day inside. Whether it’s the grayness of the sky, those below zero temps or a combination of the two, you might also find yourself cozying up and doing a whole lot of movies, cocoa, and popcorn. And […]
The post 5 Work-at-Home Opportunities You NEED to Try this Winter! appeared first on The Work at Home Woman.
The holidays may be fun while they last, but the overall financial impact of the season tends to linger in ways that aren’t so cheery. A late 2017 study from MagnifyMoney found that the average consumer added $1,054 to their credit cards during last year’s holiday shopping season. It remains to be seen whether this year’s debt totals will be better or worse, but I’m willing to bet plenty of people are starting a new year mired in regret.
Whether you owe a few hundred bucks on your credit cards or several thousand, you’re certainly not alone in your struggles. The average American household with credit card debt carried $6,929 on their cards in late 2018, after all, and the total credit card debt carried on the backs of American families is now roughly a trillion dollars.
Whether you owe holiday debt or ran up your credit cards paying for car repairs or medical expenses, you probably have the same sinking feeling as most people in your situation. You know deep down that your debt problem could get worse before it gets better, and that ignoring it won’t make it go away.
But a new year always brings new possibilities. If you could make a few changes — both big and small — you could make 2019 the year you turn your finances around and get out of debt once and for all.
It won’t be easy to make sweeping changes to your finances in a short amount of time. However, digging your way out of debt now is a better option than waiting to see how bad things could get. Here are the steps to consider as you try to destroy holiday debt and other credit card debt for good.
According to a study from US Bank, only 41% of Americans are using a monthly budget or spending plan. This means that less than half of Americans are tracking their spending in any meaningful way, setting spending caps in discretionary categories like groceries and entertainment, and keeping track of their financial progress as they go along.
No wonder American household finances are a mess, retirement savings figures are wanting, and average debt seems to increase every year. By and large, families have no idea where their money disappears to each month and they aren’t using a budget to find out!
The solution to this problem is an obvious, albeit difficult, one. If you want to get out of debt, it’s smart to implement some sort of monthly budget or spending plan you can use to reduce your outlay and oversee your financial progress.
One popular budgeting method that works well for debt repayment is the zero-sum budget. This type of budget requires you to assign each dollar you earn to a bill, debt repayment, or savings every month until you get down to zero. Zero sum-budgeting allows you to reduce wasteful spending while allocating your dollars in a way that fits your priorities. However, it also forces you to be proactive with your finances instead of letting life’s ups and downs dictate how your money is spent.
If you don’t like the idea of using a zero-sum budget, there are plenty of other budgeting methods to consider as well. The point is, you must try something to get your monthly spending in check and your finances on track. A budget is a valuable tool that can help you do just that, but it won’t work until you get started.
This second step is one you should follow no matter what — stop using your credit cards until you’ve paid them off. Continuing to use credit when you’re in debt only ensures you’ll keep adding to the pile, whereas switching to debit or cash spending will help you stop the bleeding so you’re not making your debt worse every month.
You don’t have to cut your credit cards up, but you should absolutely tuck them away in a drawer or a closet for safe-keeping until you get your debt under control.
While you shouldn’t use credit for regular purchases while trying to get out of debt, one type of credit card may make the process easier if used the correct way. Balance transfer cards, also known as 0% APR credit cards, let you avoid paying interest on transferred balances for up to 21 months. Most charge a one-time balance transfer fee of 3% to 5%, but the fee can be well worth it if you’re transferring debts from credit cards with high interest rates.
Once again, however, you have to stop using credit for purchases to make a balance transfer work. Apply for a balance transfer card, transfer your high-interest balances, and then tuck your card away for safekeeping. From there, attack your debts with fervor and watch every dollar go directly toward your balance since you’re not paying any interest.
If you put in the work and throw as much money toward your debts as possible during your card’s zero-interest introductory offer, you will save money and make substantial progress in a short amount of time.
If you’re skittish about using another credit card to get out of debt, there’s another option you can consider — a low rate personal loan. With a personal loan, you can secure a fixed interest rate, a fixed monthly payment, and a fixed repayment term so you know exactly when you’ll become debt-free.
And while you won’t get 0% APR for a limited time like you would with a balance transfer card, personal loans do come with fixed rates as low as 4.5%, depending on your creditworthiness — certainly better than the average credit card APR of 17.41%. What’s more, credit scoring models view installment loans more favorably than credit card balances.
If you opted to consolidate debt with a personal loan, you could use your loan funds to pay off credit cards at higher rates, stick with the predetermined payment plan your loan offers, save money on interest, and eventually become debt-free. To make this option work, however, you’d still need to stop using credit cards altogether.
Another strategy that works well with any other step on this list is trying to earn more money. Obviously, earning more can help you pay down debt faster and save money on interest charges in one fell swoop.
Fortunately, there are all sorts of ways you could potentially boost your income this year. You could ask for more hours at work, pick up overtime shifts, or take on a part-time job outside of your regular work hours. You could also pick up a side hustle like driving for Uber or Lyft, walking dogs, or delivering groceries for Instacart.
When it comes to ways you could be earning money on the side, the sky is the limit. Just make sure that any extra money you earn is thrown towards debts before you have a chance to spend it.
If holiday debt is dragging you down, now is the perfect time to attack it head on. Create a monthly budget that can help you rein in your spending and look for ways to pay down debt faster. With enough smart moves, you may end the year a lot better off than where you started.
Holly Johnson is an award-winning personal finance writer and the author of Zero Down Your Debt. Johnson shares her obsession with frugality, budgeting, and travel at ClubThrifty.com.
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The post You Owe How Much? Here Are Five Ways to Pay Off Your Holiday Debt appeared first on The Simple Dollar.
