I wanted to incorporate books into our wedding last year because I love books and reading. I went to the library almost every week when I was younger and actually read over 4,000 children’s books the summer before fourth grade (I was in the local news for this! Hehe!). I haven’t been to the library in several years because I now listen to free audiobooks and read ebooks through our state library’s Overdrive app.
After browsing pinterest for a couple of weeks, I decided to use books as table numbers. Read more
A few days ago, I borrowed the book “Go Green, Live Rich” by David Bach. I borrowed the book because I was inspired by one of my high school classmate’s post on eco-friendly fashion to find ways to live a greener life. I’ve tried to incorporate better habits over the years like recycling, saving water, turning off unused lights, etc. However, I’ve chosen not to buy into a green lifestyle because I’ve found that green products were usually out of my price range. After reading his book, however, I’ve realized that it is possible for us to afford an eco-friendly life. Read more
When I was younger, I wanted to build my own personal library as big as the one in Beauty and the Beast. I love reading and collecting books. I practically grew up in our public and school libraries from elementary to high school. At home, I was building up my a collection of over 100 books (including complete paperback AND hardcover of the Harry Potter series!) which I left when I moved here for college. Then I discovered the astronomical cost of textbooks (especially for my science courses) so the only books I could really afford to add to my bookshelf were textbooks. I could borrow books from our university’s library, but it was mainly academic books rather that the non-fiction I loved to read. I also didn’t use the public library too much during this time since I had other things on my mind: school, church, my job, and this was the time that social media began so I had other things to occupy my time (I remember when facebook was only for college students!). Some time after graduating college, I discovered the Overdrive app for the Hawaii State Public Library System. Read more
For our wedding last October, we were supposed to working with this wedding florist who came highly recommended. However, not only did it take several months for her to return with a quote, she exceeded our $1,000 budget and gave us a quote of ~$4,600! The most expensive item in the quote was my bridal bouquet which cost $225! We were shocked and angry. It was two months before our wedding and we now had to work with her to adjust our budget, find someone else, or do it ourselves. After a few days, we cancelled our contract with her, checked out other vendors, and eventually decided to do our own flowers (for the most part). Our total cost: ~$700.00.
“The Debt-Free Spending Plan” by Joanneh Nagler provides a step-by-step guide to figure out your budget, have enough money for your needs, pay down your debt, and save for your wants. It is a different way of looking at personal finances. Instead of just mindlessly tracking your expenses (which make budgeting so depressing), you learn how to create financial goals to achieve your dreams and gain a life of financial security. Read more
“The Spender’s Guide to Debt-Free Living” by Anna Newell, creator of the blog AndThenWeSaved.com, was one of the first personal finance ebooks I borrowed from our public library. Even though my husband and I are not big spenders (anymore!), the book caught my eye with the words “debt-free living”. Her book provided an honest look into the life of a spender and revealed her struggles and accomplishments in paying back close to $24,000 of debt in 15 months with little to no help from her husband, friends, and family. Anna talked practical methods of adopting a needs-only spending habit, finding new ways to earn money, paying down debt, understanding our own spending habits, and how to navigate family and social life through a spending fast. As I read the book, I realized how much of her story mirrors my own and I learned what tools I could use in my own life. Read more
My name is Cherry Lacsina. I am 28 years old and I live in Honolulu, HI. I graduated from the University of Hawaii at Manoa with a BA in Philippine Language and Literature and an MEd in Educational Administration in Higher Education. I work in higher education while my husband does signs and banners for a local print shop. We just got married this time last year.
As our first year wedding anniversary is coming up, I began this blog to chronicle our financial journey to debt free living. We owe thousands of dollars in student loans, credit card debt, and personal loans from moving here for college, car accidents, the wedding, helping our family, etc and just poor financial management. For the past 10 years, we’ve made a lot of financial mistakes and have been juggling multiple jobs to fix it but it keeps growing. After a long hard look at our debt and our life, we are done with it all. Done with living paycheck to pay check. Done with debt. Done with letting money dictate our lives. We’ve decided to finally face our monstrous debt and pay it down more aggressively so that we can finally have control of our lives. We know it won’t be easy. There will be lot of mistakes. We have a lot of sacrifices and behaviors and attitudes to change but we have a goal to eliminate at least 80% of our debt in five years.