Chris Geoffrey Gravatar

Chris Geoffrey

In Managing Debt, Personal Finance

Chris Geoffrey, a.k.a., The Debt Diva, was born into a very frugal and middle class family, spending most of her life in a really small Iowa town. A graduate of Iowa State University, she has worked for the public sector for 34 years. She got into debt, and then she decided to pay it down, once and for all.

Debt Diva: Keeping on Budget When Chaos Hits

Managing Debt

Debt Diva: Keeping on Budget When Chaos Hits

Debt Diva: Keeping on Budget When Chaos Hits

I’m facing budget challenges in these times of the streamlined workforce. I have been working 10-12 hours a day, including weekends and taking work home. We are short on professional staff; a 5-day a week/8-hour day would not dent the work. Our executive level staff is new and I need to be available to respond... Read More

Debt Diva: One Debt Hurdle Down, On To The Next!

Managing Debt

Debt Diva: One Debt Hurdle Down, On To The Next!

Debt Diva: One Debt Hurdle Down, On To The Next!

Some days that I feel that total debt freedom is so close; on other days that I feel it is far away. I paid off my credit cards one at a time-the highest interest rate first so I got the biggest bang for my buck. I had no problem paying off my remaining credit card... Read More

Debt Diva: Learning from Others’ Mistakes

Managing Debt

Debt Diva: Learning from Others’ Mistakes

Debt Diva: Learning from Others’ Mistakes

People are funny. I have been working on a bare bones budget so I can eliminate my car payment and my mortgage in the next couple of years. This week, I adjusted my budget for gasoline prices. My car was purchased new in June 2009 and has less than 20,000 miles today. Gas prices are... Read More

Debt Diva: Anticipating Debt Paydown Detours

Managing Debt

Debt Diva: Anticipating Debt Paydown Detours

Debt Diva: Anticipating Debt Paydown Detours

My recent debt reduction became even more important in the last couple of days. I learned that my job may be outsourced within the next year or two. I am a realist-I work in Human Resources and I see this happen. I literally shook my head and opened up my payoff schedule and was thankful... Read More

The Big Payoff: No More Credit Card Debt

Managing Debt

The Big Payoff: No More Credit Card Debt

The Big Payoff: No More Credit Card Debt

What a difference a week can make. I have no credit card debt—seriously, I am at ZERO!!! It has been many years. It feels good and I just want to yell to the world that I have no credit card debt. I received my federal tax refund and paid off my remaining card. More exciting... Read More

Debt Paydown: Time for an Attitude Adjustment

Managing Debt

Debt Paydown: Time for an Attitude Adjustment

Debt Paydown: Time for an Attitude Adjustment

I have been lazy and sliding backwards on more than one front. I did not track my spending or food intake for a couple of weeks. I spent more than I should have and I gained a couple of pounds instead of losing weight. Blame it on the rain, the snow, the cold—how do I... Read More

Turn January Money Challenges Into February Fortunes

Personal Finance

Turn January Money Challenges Into February Fortunes

Turn January Money Challenges Into February Fortunes

January challenged my patience. Several days were bitter and bone chilling cold, though things unrelated to the cold weather were breaking. I broke a tooth in half while eating rice. Yes, it was cooked rice. Thank goodness for flexible spending—a crown will probably eat my balance for the year, but it will be covered. The... Read More

Finding Savings in a Lean Budget

Personal Finance

Finding Savings in a Lean Budget

Finding Savings in a Lean Budget

This month seems expensive and I am looking for ways to save. I used $500 from my emergency savings to pay the deductible for my daughter’s December auto accident and that money was to be refunded by now. My insurance company is not returning emails or phone calls. This is a major, highly rated company.... Read More

Winter Blues Bring Budget Inspiration

Personal Finance

Winter Blues Bring Budget Inspiration

Winter Blues Bring Budget Inspiration

It is so hard to get inspired in the cold of the winter, so this week is about refocusing on positives. I took my lunch to work 4 days last week and 2 days this week. My goal is to eat in at least four days a week. I am eating healthier food and saving... Read More

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