April 2018 Debt & Life Update

This post may contain affiliate links. Feel free to view my disclosure here.

Another month, another update, let's get to it. April has been a busy month. My 5th-year blogiversary contest ended a few weeks ago. Continue to read the rest of mt April 2018 debt & life update.

Another month, another update, let’s get to it. April has been a busy month. My 5th-year blogiversary contest ended a few weeks ago. I contacted the winners and sent their prizes to them. They were excited that they won. I may give more Stockpile gift cards away later this year.

In last month’s update, I stated that I wanted to diversify my online selling platforms even more. I tried out Letgo and didn’t have any success. I ended up deleting the app from my phone a couple of weeks ago. However, I kept my profile active and could check it via desktop. I’m glad did that because I made my first sale on Letgo a few days ago. Even though I erased the app, I still receive e-mails anytime someone has a question about an item.

The item that I sold was something that I had for over a year. It was a set of 16 glasses. I was so happy to get them out of my apartment. Hopefully, I can sell some of my other slow-moving items on Letgo. If that happens, I will add the app back to my phone ASAP.

When I deleted Letgo from my phone, I added another seller app. It’s called Mercari. It’s a platform where you can list items via your phone or on your desktop. There is no meeting up with people for this one. If someone wants an item, the buyer has to ship it. Mercari has a 10% transaction fee. The seller will get their money once the buyer receives the item. At first, that bothered me, but after reading a few reviews, I saw that the process only took a few days. I listed a few items to see if they would sell or not. My first item sold within the first week. It was a Chicago Bulls Michael Jordan jersey. The transaction went smooth. Once the buyer received the package, the funds were released to my Mercari account. From there I was able to transfer the money to my PayPal account.

While I like diversifying my selling platforms, eBay is still the GOAT for me. If you are looking to make more money on eBay, you should check out my course, How to make money in your spare time with eBay. The course has six modules full of tips and info, printouts, videos and more.  Check out the image below for more details.

I’m a part of the Black Bloggers United community, which features African American bloggers from all over the world. There’s a local group that meets in Atlanta every month. Earlier this month, I had a chance to sit down with Sierra of Legacy Speaks. We talked about debt and side hustles. Check out the interview below.

Posts That You May Have Missed

20 Easy Side Hustles For Single Mothers

15 Unique Gifts For Graduates

How I Made an Extra $2905 in the First Quarter of 2018

22 Best Mother’s Day Gift Ideas

Debt Update

I’ve been waiting for the one. My total debt went from $60,340.52 to $59,985.86. I’m finally under $60K. It decreased by $354.66. Now it’s time to focus on getting under $50K.

BOA – UP from $456.09 to $2388.62

Earnest – Down from $22,866.33 to $22,811.26

Nelnet – Down from $34,788.10 to $34,785.98

I’m saving $28 per month on my private student loans and I received a lower interest rate when I refinanced with Earnest. Refinancing your student loans may help you as well.  If you’re approved for refinancing, you will also get a $200 bonus. Visit their site today.

You probably noticed two things that are different on this update. My Bank of America amount has increased, and Loan 2 is gone. Here’s what happened.

I realized that I wanted to do some traveling later this year. Instead of spending my money on flights, I decided that I wanted to try my hand at travel hacking. I know several people who pay for their flights using points instead of cash. I decided to give it a shot.

The first thing that I did was do some research. I saw that Southwest has a pretty good deal. If you spent $2000 within 90 days, you’d get 50,000 bonus points added to your Southwest Account. I applied for the card and was immediately approved. The next thing I did was figure out what I wanted I wanted to spend the $2000 on. I chose Loan 2. Once I paid it off, I then transferred the balance from the Southwest Card to my Bank of America card. The BOA card had a 0% APR deal until April 2019. That was a no-brainer.  The only downside was that I was charged an annual fee for the Southwest Card and I was charged a balance transfer fee. The good thing is that I’ve already paid those fees.

Get 40,000 bonus Southwest points when you sign up HERE through my exclusive link.

I’ve excited to be under $60,000 worth of debt. The new BOA amount will only be here temporarily. Travel hacking will ultimately save me hundreds of bucks on flights.

You can view all of my debt updates here.

How was your April?

Another month, another update, let's get to it. April has been a busy month. My 5th-year blogiversary contest ended a few weeks ago. Continue to read the rest of mt April 2018 debt & life update.

Resources that I Recommend

Grammarly – Grammarly is a program that you can download to your computer that helps with grammar. I’ve been using Grammarly for two years, and I love it. It helps you with spelling, punctuation placement, and other grammar issues. As a blogger or writer, this tool is a must-have.

Stockpile – If you are looking to get into the stock market game but don’t have much money to invest, check out Stockpile. Stockpile has hundreds of stocks to choose from. With my affiliate link, all new users get $5 to put towards a new stock purchase.

Bluehost is a  good hosting company that you can go with if you are looking to start a WordPress blog for a good price. The Butler Journal has been hosted on Bluehost since 2013. You can get your hosting for as little as $3.95 per month (this low price is only available through my unique link). You also get a free domain when you purchase a plan of 12 months or longer. I wrote a step by step guide that will help you get started. You can find it here.


  1. So awesome that you were able to talk side hustles! I was thinking just last week I’d love to find a way for you and me to collaborate about side hustles. Just have to find the right platform/forum…

    1. We need to figure this out. Possibly a webinar or something.

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