January 2021 Debt & Life Update

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

What’s going on everyone? I hope you had a great January. This month went by pretty fast in my opinion. I’ve been able to stay focused and continue to work on the business.

Audit Update

I have less than 20 blog posts that need to be updated. I won’t be finished at the end of the month like I wanted to, but I will be done in February. Below are some of the posts that I have updated. Make sure that you check them out and share them with your friends and family.

How to Turn Your Side Hustle Into A Full-Time Job

How You Can Raise Your Credit Score

10 Good Habits That Lead to Success

35+ Productive Things to do When Bored

How to Write a Check

Resell Business

The resell business has still been doing well. I’ve continued to cross-post more items and they’ve been selling. Just in case this is your first time reading my post, I sell items on eBay, Poshmark, Mercari, and more.

Below are 5 of my sales from the month.

I paid for $6.33 these Hoke One Clayton shoes. They sold for $6o on Poshmark.

I paid $3.33 for this Thanos Infinity Gaunlet. It sold for $65 on Mercari.

I paid  $6.41 for this Vintage Atlanta Braves sweatshirt. It sold for $39.99 on eBay.

I paid $5 for this Anthony Rizzo portrait. It sold for $100 on Mercari.

I paid $3.26 for this FAMU jersey. It sold for $39.99 on eBay.

Check this out. If you’re interested in learned how to flip items, check out my webinar, eBay for Starters.

Latest Blog Posts You May Have Missed

Best Investment Apps for Beginners

The Best Movies for Entrepreneurs 

15 of the Best Valentine’s Gifts

How to Make Money As a College Student

How to Have a Vision Board Party

My debt went from $52,899.36 to $51,874.63. That’s a drop of $1024.73. This was my biggest monthly decrease ever. I have a good feeling that I’ll set another record a few times this year. It feels good to see this debt go down by four figures. Let’s look at the numbers.

Car Note ⬇️ from $1457.70 to $821.72

Earnest ⬇️ from $20,499.66 to $20,410.91

Nelnet ⬇️ from $30,942 to $30,642

The car note will be paid off by the end of February. I’m excited about that. I will then start making higher payments on my Earnest loan. It’s going to be cool watching that amount gets lower.

I refinanced my private student loan with Earnest a few years ago. Refinancing my loans helped me get a lower payment. It also lowered the interest rate. 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 here today.

You can view all of my debt updates here.

I’m enjoying seeing the numbers get lower. I have a feeling that 2021 is going to a great year for the debt payoff.

My Products


This is an ebook that I wrote in 2020. If you are looking for some extra ways to make some extra money, check it out. It has different side hustles that anyone can try. For more information, go here.


This checklist features 45 items that you can sell on eBay.


Here is where you can find some of the t-shirts that I’ve designed.


I created this course to help people that are just now starting out with eBay. You can get more information here.

Side Hustle Resources


It doesn’t matter if you sell on eBay, Facebook, Mercari, or Amazon, you will need some supplies. I took the time to put a group of supplies together in my Amazon store. Visit my store here if you are looking for supplies such as tape, boxes, poly mailers, and more.


Bluehost is a hosting company that you can go with if you are looking to start a WordPress blog for a good price. My Money Chronicles 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).  I wrote a step by step guide that will help you get started. You can find it here.