Derek Sall | Source | Founder and Lead at Life And My Finances

Quoted on GO Banking Rates: https://www.gobankingrates.com/net-worth/debt/i-owed-more-than-20k-in-debt-how-debt-snowball-paid-it-off/

Derek Sall, a former finance manager turned founder of Life And My Finances, got married in 2009 and divorced in 2012. Sall’s debt from the divorce was one lump sum of $21,000. He realized he knew he needed to pay off the debt “when the gavel hit in the courtroom on my divorce date.”

“I cut out subscriptions, stopped eating out and negotiated with my phone and insurance provider,” Sall said. “I even sold my truck and bought a gas-sipping Honda Civic to cut back on gas and insurance costs, while still riding my bicycle whenever I could.”

All of these combined strategies worked. In six months, Sall paid his $21,000 divorce debt in full.

Quoted on The Street: https://www.thestreet.com/investing/here-are-7-ways-to-get-more-money-without-getting-a-new-job

“People overlook their small spending for mainly two reasons,” said Derek Sall, founder of Life and My Finances, a personal finance advice website. “First, they just don’t think it has that much impact. Secondly, they like their little spending habits and don’t want to stop small pleasures like buying coffee every day.”

Yet if you save just $5 a day and $150 a month and invest it regularly, it equates to over $500,000 over 40 years, according to the Life and My Finances Small Change Calculator.

“Most people are blowing that kind of money without even realizing it,” Sall said.

Quoted on:https://www.msn.com/en-my/money/news/4-dumbest-money-moves-millennials-can-make/ar-AA19MVGT

“There are tons of old people that have been there, done that,” said Derek Sall, founder and lead at Life And My Finances. “Now they have no money and hate their lives. Be smart. Mix YOLO with good old-fashioned retirement investing.”