We’re expanding the family!
No, we’re not having another baby.
We’re growing our online family.
We’re spreading the love over on Facebook.
Commit. Plan. Take action.
We’re expanding the family!
No, we’re not having another baby.
We’re growing our online family.
We’re spreading the love over on Facebook.
Mike (my husband) and I had the honor of being interviewed on the His and Her Money Podcast recently! In the interview, we shared the steps we took to pay off more than $85,000 of debt in 20 months.
[Read more…]
Each month I bring you a recap of the previous month’s progress on paying off our debt.
This serves two purposes — to keep my husband Mike and me accountable to our financial goals and to give you a look behind the scenes of our strategy for paying off our debt.
[Read more…]
There has been many glitches in Cash App’s system that has been exposed, raising concerns about the safety of users’ personal information, money, and transactions. So much so that Cash App has a Bug Bounty Program which provide cash awards for brining certain vulnerabilities to their attention. From understanding how glitches occur to learning about the potential risks and the steps you can take to protect yourself, we’ve got you covered.
Whether you’re a frequent user or just considering signing up for Cash App, this information is crucial for anyone who values their financial security and want to know if free money Cash App glitches seen on Reddit and other platforms are real or fake.
A glitch can be defined as a temporary malfunction or some form of irregular behavior which leads to a device or program not operating as intended. They are usually self-correcting and can often be rectified using a simple system reset. Some glitches are more serious and may be as a result of a bigger issue which will cause the glitch to repeat itself until the issue casing the glitch is fixed.
Cash App has faced various glitches in the past, each with its own set of consequences for users.
In June 2023, there was widespread reports of a duplicate charge glitch which caused users to be charged twice for the same transaction. Cash App responded publicly and stated that impacted users will be notified and refunded
One common type of glitch that users have reported is the failure of transactions to go through properly. In some cases, users have experienced delayed or failed payments, causing frustration and inconvenience.
Another glitch involves incorrect balance displays, where users notice discrepancies between their actual balance and what is shown in the app. This can lead to more confusion and uncertainty about the accuracy of their account information.
Account hacking has been a concern for some Cash App users. Although not always caused by a glitch, hackers have taken advantage of vulnerabilities to gain unauthorized access to users’ accounts. It is essential for Cash App users to be aware of these potential glitches and their consequences in order to take appropriate precautions.
A money glitch typically refers to an unintended flaw or loophole within a financial system, often within a digital platform or online service, that allows users to exploit it for financial gain.
Glitches can occur in cryptocurrency due to the inherent complexity of the software and hardware. Human mistakes, system updates, external factors, and errors during file transfer can all contribute. Even with rigorous testing, unforeseen interactions and vulnerabilities can arise.
Each Cash App bitcoin transaction is recorded on a public ledger, the blockchain. While general wallet addresses don’t directly reveal user identities, analysis and batch reports can easily trace transactions back to individuals. The point is that you’re conducting bitcoin transactions through Cash App, and with your personal information directly linked to your bitcoin address. You will more than likely find yourself in debt once Cash App identifies an unauthorized or erroneous deposit on your account.
There have been numerous reports such as this recent September 2023 case where a user spent funds that showed up in their account after a Cash App Glitch and to their surprise later had the funds removed by Square and left the account in a negative balance status.
Short answer, yes! Of course they are real, but don’t get too excited. It is quite possible that you may one day open your Cash App account to find that you have a greater than expected balance due to a glitch in the software. Computer programs glitch and can lead to unpredictable behavior. That behavior may be favorable in some cases. However, Cash App is a relatively app to use. Here are 6 steps to keep your Cash App account secure.
If a Cash App glitch left you richer, the last thing you should do is think that money belongs to you, or try to spend it. Do not make an attempt to repeat the steps to creating a untraceable free money Cash App glitch. Sadly, there is no such thing. There have been many cases where glitches in banking systems led to increased balances in some accounts. They usually end with the bank recovering those funds.
Do not waste your time with TikTok videos or websites promising Cash App free money glitch tutorials. They may claim to have a legit Cash App glitch to make money out of thin air but these outlets are often seeking to collect your personal information and in some cases look for vulnerabilities which may lead to them hacking your very own Cash App account. The claims are simply too good to be true.
If you knew of a Cash App vulnerability or glitch that would allow you to make money, would it be smart to publicly advertise this process? If the claims were true, Block Inc, formerly known as Square Inc, and Cash App would quickly shut it down and may even seek legal action.
Consider other means of income if you’re looking to make extra money. There are a large number of side hustle opportunities out there. For examples, you can get paid to write articles and blog posts or even testing apps and writing reviews. This this biweekly money challenge to boost your savings.
Trying to figure out if you have been affected by a Cash App glitch can be challenging, as not all glitches are noticeable. However, there are some signs which may indicate that there is a problem with your account.
If you notice discrepancies in your account balance, it is important to investigate further. Keep an eye on your transactions and verify accuracy. If you come across any suspicious transactions, it could be a sign of a glitch or security breach.
Another red flag to watch out for is an inability to complete transactions or delayed payments. If you encounter any issues while sending or receiving money through Cash App, it is worth considering the possibility of a glitch in the system.
If you receive any unusual notifications or emails from Cash App, especially those requesting sensitive information or account verification, proceed with caution. Legitimate communication from Cash App will never ask for your personal information or login credentials.
If you experience any of these signs or suspect that you have been affected by a Cash App glitch, it is crucial to take immediate action to protect your money and personal information.
The only legit way to make money on Cash App in 2025 is by inviting others using your Cash App referral code.
You and your friends can both get bonuses when they use your Cash App referral code to sign up to Cash App.
Your friend must sign up and link a debit card or order a physical Cash Card.
Next, send $5 within 14 days of using the referral code.
By understanding the nature of Cash App glitches, identifying signs of a problem, and implementing security measures, you can significantly reduce the chances of falling victim to a glitch or unauthorized access.
If it sounds too good to be true and its public information, then it is in fact too good to be true.
Remember to report any glitches or suspicious activity to Cash App’s customer support and consider diversifying your payment methods across secure platforms. Stay informed about Cash App’s efforts to improve security and be proactive in maintaining your financial safety.
If you’re a fan of intense combat, adrenaline-pumping action, and epic battles, you’re in for a treat. here are fourteen hack-and-slash games that capture the same thrill as Stellar Blade. From witches to mechs, these titles offer diverse gameplay experiences that will keep you on the edge of your seat.
No More Heroes follows the eccentric Travis Touchdown, an otaku who wields a beam katana. As he climbs the ranks of the United Assassins Association, players engage in intense battles against higher-ranked assassins. The game combines stylish combat, quirky humor, and a unique narrative.
Release Date: January 22, 2008
Metacritic Score: 88/100
In a post-apocalyptic world overrun by machines, androids battle for survival. NieR: Automata weaves a complex story exploring themes of humanity, identity, and existentialism. Its fluid combat, multiple endings, and haunting soundtrack make it a standout title.
Release Date: March 7, 2017
Metacritic Score: 88/100
Code Vein immerses players in a vampire-infested universe. Customize your character, explore interconnected environments, and engage in challenging combat against supernatural foes. The game’s anime-inspired visuals and intricate character progression system add depth.
Release Date: September 27, 2019
Metacritic Score: 70/100
The NINJA GAIDEN: Master Collection bundles three iconic titles from the revered action series. Included in this compilation are:
NINJA GAIDEN Sigma (2007): Setting the standard for quality and high-speed action, this game introduces dual-wielding weapons, Mission Mode, and Story Mode.
NINJA GAIDEN Sigma 2 (2009): Alongside protagonist Ryu Hayabusa, notorious female icons Ayane, Rachel, and Momiji join the battle as playable characters. Four difficulty levels cater to players’ battle techniques.
NINJA GAIDEN 3: Razor’s Edge (2012): Engage in intense battles as you become the ultimate ninja, wielding deadly weapons and facing formidable enemies. The collection also includes digital artbooks and a game soundtrack, offering fans a deeper look into the world of NINJA GAIDEN
Release Date: July 3, 2021
Metacritic Score: 73/100
Kratos, the former Greek god of war, embarks on a Norse mythology-inspired journey with his son, Atreus. The game seamlessly blends brutal combat, epic boss fights, and a poignant father-son relationship.
Release Date: April 20, 2018
Metacritic Score: 94/100
A remastered version of the original Nier, this game delves into emotional storytelling, existential questions, and a hauntingly beautiful soundtrack. Players follow the protagonist’s quest to save his sister in a mysterious world.
Release Date: April 23, 2021
Metacritic Score: 82/100
Set in feudal Japan, Nioh 2 lets players become samurai warriors battling yokai. The game’s deep combat system, challenging encounters, and rich lore make it a must-play for hack-and-slash enthusiasts.
Release Date: March 13, 2020
Metacritic Score: 86/100
Control the witch Bayonetta as she battles celestial enemies using a mix of gunplay, magic, and acrobatics. The game’s over-the-top action, intricate combos, and sassy protagonist create a memorable experience.
Release Date: January 5, 2010 (North America)
Metacritic Score: 90/100
This dark and gritty take on the Final Fantasy universe introduces mysterious characters, intense combat, and a quest for redemption. While the release date is still pending, fans eagerly anticipate its arrival.
Release Date: TBA (2022)
Metacritic Score: 79/100
In this spin-off from the Metal Gear series, players control cyborg ninja Raiden. The game emphasizes precision slicing, stylish action, and a futuristic setting.
Release Date: February 19, 2013
Metacritic Score: 80/100
Rejoin demon hunters Dante and Nero as they battle demonic forces. Devil May Cry 5 boasts fluid combat, demon transformations, and a rocking soundtrack, all set against a backdrop of supernatural chaos.
Release Date: March 8, 2019
Metacritic Score: 88/100
A reboot of the Devil May Cry series, DMC: Devil May Cry introduces a younger Dante. Players explore a modern world infested with demons, uncovering secrets and mastering stylish combat.
Release Date: January 15, 2013
Metacritic Score: 85/100
Assume the role of Dracula in this action-adventure game. Explore a gothic world teeming with vampires, monsters, and dark lore. While the game received mixed reviews, its atmospheric design remains captivating.
Release Date: February 25, 2014
Metacritic Score: 63/100
In Darksiders III, players step into the shoes of Fury, one of the Four Horsemen of the Apocalypse. Fury wields a whip and battles through a post-apocalyptic Earth to restore balance. The game combines exploration, puzzle-solving, and intense combat against demonic creatures.
Release Date: November 27, 2018
Metacritic Score: 72/100
Whether you prefer battling demons, unraveling mysteries, or mastering swordplay, there’s a hack-and-slash game out there for you. Dive into these titles and unleash your inner warrior – the world of relentless foes and epic adventures awaits!
Being in debt is exhausting. So, when an opportunity arises to knock out a big chunk of it (or even all of it), it is hard to turn it down. If a family member or friend offers you a loan to pay off, you should think twice though. Taking a loan from family can sometimes be more harmful than helpful, even if it makes you debt-free.
First, before making the decision, determine if the money your family member is offering you is a loan or a gift. The best way to do this is simply asking, “do you expect this to be paid back” or “when do you need me to pay you back?”
How your family member responds to these questions can help you decipher if this is a gift or a loan. If it is a gift, by all means, take it and pay off your debt. Loans from family members, on the other hand, can add additional stress and, more often than not, leads to fighting.
Before you take a loan from family, consider the following.
All of the above considered, taking a loan from family does have some perks. It is just determining whether or not these potential benefits outweigh the ways it could go wrong. That being said, you can benefit in a few ways if you’re willing to risk the downfalls.
My one piece of advice for anyone considering this is to be sure you get everything down in writing. In the agreement include the following:
At the end of the day, I wouldn’t recommend taking a loan from friends or family. For me, I cherish those relationships in my life too much to add any financial stress to them. I can see the benefits of doing so though.
Readers, have you taken a loan from family before? Was it a good decision?
We don’t have any huge debt freedom progress to share this month, and we probably won’t make more than the minimum payments for a while due to COVID-related money struggles. However, all of this has forced us to take a look at some of our bad money habits. While we have made strides towards our goal of being debt-free, we are still doing a lot of things to set us back.
Examining your finances, or performing a financial audit, is no fun task. Unfortunately, most things with money aren’t all that fun. Thankfully, there are a few things you can do to set yourself up for success and get on track to addressing your bad money habits.
So, we did that and WOW. I thought we were basically financially responsible, but after taking a closer look at our finances there were a lot of things that surprised me.
For instance, we spend about $100 per week on groceries. That only includes the big weekly shopping trip though. After taking a closer look, we stop at the store multiple times throughout the week and may even eat out, pumping that number up closer to $200 a week. For two people, that is INSANE.
Amazon also gets way too much of our money. Not only are we paying them for multiple subscription services, but we also order just about every little thing we might need from there. Sometimes we are even buying stuff we don’t even need simply because we are on the site looking at other things (ugh).
Once we sat down and talked about these things, we were both stunned by the fact that we were actually spending that much without knowing it. We’ve decided to move forward with a bit more strict budget and much less Amazon (and food).
Our first step is going to be clipping any unnecessary or unused subscription services through Amazon. To fix our food issue, we are considering looking into some food subscription services to help encourage us to eat food from home rather than eating out.
These will be the next steps for our family, but deciding what bad money habits you want to ditch will likely look very different. Remember, at the end of the day, a financial audit is only part of managing your finances. You also need a budget and a clear financial plan in place to reach your goals.
Mortgage rates are going down pretty steadily amidst the pandemic. Because of this, many people are looking into refinancing their home loans. Like any other loan you take out, refinancing will have an impact on your debt-free journey, and it can be a good or a bad thing.
To refinance something simply means to finance it again. This is done by starting a new loan, usually with a lower interest rate. Refinancing loans are typically for auto and mortgage loans, but it is possible to refinance any large loan you may have.
You may be thinking to yourself, “Wow, that sounds like a great idea, I could save so much money!” While it sounds really great, there are a few catches. You’ll need to weigh the pros and cons and thoroughly research your current loan and refinance offers.
Refinancing can be both good and bad when it comes to your debt freedom journey. In some cases, refinancing one of your loans may make it easier to reach other financial goals. If that is true for you, then, by all means, refinance!
Additionally, refinancing can help lower your interest rate (sometimes significantly). If refinancing your loan will drive that rate down, great. It is not worth refinancing if the rate drops less than 1% or 2% below your current rate. Regardless, it is still a good idea to try and pay it off in the same amount of time or less. Remember, your long-term goal is still to be totally free of your debt.
While your reasons for refinancing may totally make sense, it isn’t the best option for everyone (or even a good one). Absolutely do not refinance if any of the following is true.
When it boils down to it if you are interested in refinancing you need to be sure you are doing it at the right time for the right reasons. Do your research and be sure it is the best decision for your financial goals.
The world has been a crazy place and, while not much changed about my day-to-day life, I’m feeling it! Over the past few weeks, I’ve felt myself getting more lethargic and apathetic about, well, just about everything. Plainly, I’ve been depressed. This can impact my career, my finances, and my health. For that reason, I’m taking a break this weekend from worrying about any of it.
There are plenty of reasons you may feel you need a break, whether it be from all of your responsibilities or just your debt freedom journey. First off, sometimes you just burn out. Life is busy and there are moments it seems to be going a million miles a minute. It is okay to take a breather.
If you find yourself getting overwhelmed really easily, it is a sign of anxiety and, guess what? It is time to take a break. Even the thought of taking time off may be overwhelming to you, but that means you need it even more. Pay attention to how you are handling stress. It is important!
You may think about taking a break if you need to reassess your goals too. If your end-game has changed, take a minute to unplug, regroup, and reattack your goals with a new and improved attitude. It is amazing what a little break can do!
I’m not taking any crazy amount of time off (three days), but I am getting away from the apartment and have plans to see some people very close to me. I will be away two days and home for one to recharge before returning to “regular life.”
This unplug includes unplugging from my responsibilities here at home, worrying about money, and fretting about anything in general. For three days, all I’ll be concerned about it what I want to do and eat.
Pay attention to your body and how you’re feeling mentally. If you feel like you need a break, take one. A break can include anything from a weekend away to a day off for yourself. Whatever your version of making time for yourself is, do it.
Taking a break does not make you lazy. It makes you self-aware. You are in tune with your own personal needs and, sometimes, that is more important than any financial goal!
In today’s financial landscape, buying someone else’s debt has become an intriguing investment opportunity. Whether you’re a seasoned investor or just dipping your toes into the world of finance, understanding the ins and outs of debt buying can be both lucrative and enlightening. In this article, we’ll explore the process of purchasing debt, the risks and rewards, and the websites where you can dive into this unique market.
Before we delve into the nitty-gritty of debt acquisition, let’s start with the basics. A debt buyer is an individual, company, or group that purchases existing debts from creditors at a discount. These debts can range from performing (still active) to non-performing (charged-off or in default). Here’s how it works:
Before diving into the debt market, conduct thorough due diligence:
In conclusion, buying someone else’s debt can be a strategic move in today’s financial landscape. Remember to use relevant keywords, create quality content, and consider eye-catching visuals to enhance your article’s appeal. Whether you’re a seasoned investor or a curious newcomer, debt buying offers a unique path to financial growth. So, explore the market, make informed decisions, and seize this intriguing opportunity.
Remember, the debt market is cyclical, influenced by factors like regulations and economic conditions. Stay informed, adapt, and thrive as a passive debt investor.