About Me

ME 2016


Thank you for visiting!

If you’ve found your way here, I’m guessing you’re in search of a little motivation.  A little nudge from someone who is going through similar experiences, someone who has completely failed at money, and trying to come back from it.

I feel you, and I can assure you that you’ve come to the right place.

My name is Latoya and I’m a happily married mother of two wonderful kids. My daughter is six and my baby boy is one years old.

I live in the Carolina’s where I’m an insurance benefits specialist by day and a writer/dreamer by night.  I have worked from home as a telecommuter for the past 5 years and there’s nothing that brings me more joy than to live a flexible life centered around my family!

I graduated from undergrad in 2006 with a little over $30,000 in debt and in 2007 I re-enrolled in school where I attained my MBA.  After all was said and done, I’d racked up $70,000+ in student loan debt.

You see, neither of my parents went to college which made me determined to go at all costs.  I managed to get scholarships to cover most of my tuition, but even though I chose an in-state college, I still managed to rack up a pretty ugly student loan bill to cover room, board, and food.

During my college years, getting a “refund check” from the student financial aid office was the “in” thing to do.  Once the check hit the bank, my friends and I would catch the city bus to the mall to shop for club outfits and school clothes for the upcoming semester.  Yeah, dumb…I know!

Fast forward 10 years later and I have some common sense.  Unfortunately, common sense doesn’t pay student loans. I’m frustrated with the growing interest and even more fed up with the principle balance that never seems to move. I’ve decided to share my journey here with you as I explore many ways to pay off these debts.  I’ll write, hustle, take online side jobs, etc.

I’m determined to work and freelance my way out of this debt once and for all!

I’m here to inspire you and anyone else out there who is in the same predicament to do the same.  If I can prevent someone else from making the same financial mistakes I’ve made, that would be awesome!

When I’m not online, I enjoy reading, watching Netflix, and catching up on some much-needed sleep.  I love being useful, so if there is anything that you need help with, questions, etc…contact me!

If you need a freelance writer or blogger, we should talk.  Check out my Hire Me Page.


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  • Reply Sarah Noelle @ The Yachtless March 20, 2016 at 10:24 am

    I too have a hefty amount of student debt (about $56,000) that was taken out largely for living expenses (well, I took out $49K and the rest is interest that accrued while I was still in school or making income-based repayments). I totally remember that experience of getting the refund check and thinking, “yeah! I have money now!” and then going and spending some of it on things I didn’t really need. I wish I had understood what it would be like to have to pay that money back someday. I value my education, but I know for sure that I could have borrowed far less money and still managed to pay rent and feed myself. In any case, I’m working hard to pay the debt back now — I’ve just started doing some freelancing and hope to do more, in addition to my day job.

    Thanks for sharing your story. I’m excited to follow your blog and hear more about your journey!

  • Reply Latoya S. March 21, 2016 at 12:29 pm

    Hi Sarah, thanks for coming by and sharing your story as well. I’ll be following you on your journey as well!

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