6 Great Books With Characters Over 60 That Prove It’s Never Too Late For New Beginnings

books with characters over 60

Had it not been for my baby boomer mom, I probably wouldn't be writing passionately about romantasy and romance books today. My sister and I just laughed the other day about how she's the one who started reading "spicy" books first, clearly influencing us to find them on our own later in life. But subject matter aside, my mom taught me the joy of reading — plus, how to embrace characters of all ages, regardless of their backgrounds.

What better way to honor my mom's influence than by featuring 6 books with lovable characters over 60? These stories center around people who are reflecting on life and deciding there are new beginnings to embrace — because life doesn't stop happening past a certain age.

Amazon

How to Age Disgracefully by Clare Pooley

Lydia thinks she won't have her work cut out for her when she decides to host the Senior Citizens' Social Club during the week, but she get a huge surprise when she meets the senior citizens.

Each person she meets has a rich past and colorful personality that keeps her on her toes. Whether she's dealing with Art's kleptomaniac ways or Ruby's competitive nature, Lydia begins realizing how much they're able to fly under the radar due to their age. It's almost as if people have cast them to the side because they think senior citizens no longer have lives to live.

There's no time like the present to show everyone — including the city council — how much life is still coursing through the veins when the community center building is in jeopardy of being sold.

Amazon

It's Not All Down From Here by Terry McMillan

Loretha Curry doesn't believe that getting older has to be an immediate death sentence. She's thriving as a successful entrepreneur, wife, and friend. If you were to ask her, she'd probably tell you that enjoying her life as an older woman is her way of giving a middle finger to ageism.

But she's forced to reevaluate things when grief comes knocking at her door. The very tenacity she's known for maintaining begins to crumble, leaving her to decide if she truly has the will to live.

Amazon

The Old Ducks' Club by Maddie Please

Sophia can't believe she's about to be 60 without a S.O. by her side. She's also in disbelief that it feels like life flew by and she didn't get a chance to truly enjoy it. Filled with determination, Sophia travel to Rhodes to quietly get a new lease on life. That's when she's introduced to the Old Ducks.

Comprised of Juliette, Kim, and Anita, the Old Ducks have been friends for a while. Their main mission is to grab life by the horns in a way most people think older women shouldn't. They're everything Sophia isn't and she detests it until they welcome her with open arms.

Suddenly, Sophia starts to come to life and finds that enjoys taking up space with her new friends. Then she meets Theo, her incredibly sexy next door neighbor.

Sparks immediately fly, but Sophia will have to ask herself if she truly has it in her to open herself up to love.

Amazon

Britt-Marie Was Here by Fredrik Backman

Britt-Marie is the queen of organization to the point where she gets offended at the sight of clutter. It's not that she wants everyone to live like her, no. She just wishes they weren't so messy at times. Naturally this tends to rub people the wrong way. If only they knew there's more to Britt-Marie than meets the eye.

It's precisely what she begins to discover when she leaves her husband after an affair and has to learn how to navigate life in Borg. Somehow she finds herself drawn to the people at the recreation center she gets a job at and the children on the soccer team she's also coaching.

It could be that life's greatest tragedy was just the thing Britt-Marie needed to truly start living outside of her careful rules.

Amazon

Julie and Romeo by Jeanne Ray

Julie Roseman and Romeo Cacciamani have rival floral businesses, but their disdain for each other stems from a decades long family feud. Ironically, no one really understands what caused the rift. All that matters is that the Rosemans and Cacciamanis are not on friendly terms.

But when Julie and Romeo meet at a small business owners' seminar, it's hard for them to deny how much they're attracted to each other. They fall quickly and madly in love with each other, generations-long feud be damned. The only problem is that their families aren't willing to let them enjoy themselves.

Amazon

Killers of a Certain Age by Deanna Raybourn

Billie, Mary Alice, Helen, and Natalie are skilled assassins who've worked for the Museum for four decades, literally devoting their lives to this secret organization. However, ageism is alive and it's become clear to them that they're being pushed to retire.

With no other option, they decide to accept the paid vacation offered to them and begin to think that relaxation could be in their future. But, a deep betrayal by the Board soon puts them on edge because they realize their retirement is actually code for dying.

In order to survive, the four ladies will have to use all of their skills and wisdom to strike the organization down before they love their lives. The odd thing is that they're eager to show just how much being a certain age gives them an advantage.

Follow our Amazon storefront for more trending books to buy this year!

Brit + Co may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

Header images via Amazon

After Outer Banks season 3, fans were eager to see what being in a real relationship meant for JJ (Rudy Pankow) and Kiara (Madison Bailey), and thankfully, this season delivers. The latest 10 episodes include some fantastic moments for the new couple, ranging from earlier season callbacks to their first official date and some heartbreaking moments we'll be thinking about for a long time. So, in honor of season 4, here are our top 9 Jiara moments from Outer banks season 4!

Keep reading for the best JJ and Kiara moments from Outer Banks season 4, now streaming on Netflix.

9. In Sync

Jackson Lee Davis/Netflix

JJ and Kiara are so in tune with each other that they're immediately able to clock when something is off. Case in point, Kiara knows Chandler is lying when he says JJ sent him to get the scroll, and JJ knows Chandler's lying when he claims Kiara gave him the scroll. And the fact they echo each other almost exactly by saying they just know the other "wouldn't do that" proves how in sync they are.

8. Kiara Calls Out Luke (Again)

Jackson Lee Davis/Netflix

We know the Pogues know each other better than anyone, and when they learn the town is going to proceed with rezoning The Cut — and bulldozing Pougelandia — she immediately jumps to her feet to try and defend their home. Kiara doesn't mess around when it comes to justice, especially when JJ is directly affected. And when she calls out Luke for betraying JJ's trust (again), it's the perfect follow-up to their car conversation from season 2 (you know, when she asked "Don't you know how special your son is?"). We know how special he is Kie!!!

7. The Porch Talk

Jackson Lee Davis/Netflix

Okay this is such a small moment but I had to include it because Jiara is severely lacking PDA in OBX season 4 part 2. One of the most beautiful parts of this story is how these two communicate. Kiara isn't afraid to ask the serious questions and JJ is finally at a place where he can be vulnerable with her. After JJ admits that he does think Chandler's really his father, Kiara puts her head on his shoulder to comfort him and they sit in silence. These two don't need to talk because IMO, their connection is beyond words.

6. Diver Down

Netflix

Let’s be honest, one of the things fans were most excited to see now that JJ and Kiara are together is JJ’s protectiveness over Kiara. We’ve seen it plenty of times in the past, but things are a little different now that he’s her boyfriend, and it’s in full force when they’re attacked underwater and Kiara loses the scuba diving gear providing her oxygen.

From JJ stabbing the guy with a spear gun to him banging on the door of the ship, desperate to get back to Kiara and screaming her name, this sequence delivers. Then, of course, there’s the fact that he immediately gives her his air so she can breathe.

5. An Undercover Date

Jackson Lee Davis/Netflix

When trying to track down the man who attacked them, JJ says their plan is to “detain, extract, investigate,” and sneak up on him as spies would. Kiara likes it, declaring they’re undercover before suggesting they act like they’re on a date – if he knows what that looks like. JJ questions her and she mentions they’ve never been on a date before, challenging him to name just one. He then tells her that they're on a date right now, grabbing her hand so they can do date things together on the pier. What does that include? Snow cones and a dare to jump into the water.

4. “Us Against The Universe.”

Jackson Lee Davis/Netflix

Since they didn’t make their diving safety stop as Pope instructed them to, Kiara and JJ get the bends (bubbles in their blood and tissues), and the Pogues rush them to the hospital, where they have to spend 12 hours in a hyperbaric chamber. With 12 whole hours together, you can imagine where this going. But before that, since this is their first moment to reflect on what happened, JJ comments how she almost died, and says that he never should’ve let her go down there. Naturally, Kiara has a different way of looking at it, saying if she wasn’t there, the attacker would’ve gotten JJ instead.

Moral of the story? They save each other and it’s them against the universe. JJ also makes a cute call back to when he called her a Kook, and we love some good banter.

3. The Turtle Hatch

Jackson Lee Davis/Netflix

Kiara’s pure joy at the sight of a turtle hatch on the beach is a beautiful moment for the character, who's talked about saving the turtles since season 1. However, Ruthie and Topper have other plans for this precious moment and decide to drive their truck directly at the Pogues, who are trying to safely get the turtles to the ocean. Kiara notices and goes in front of the truck, trying to tell them that there’s a hatch and to go around, but they ignore her, running over the area not once but twice.

Why this is so high on my list is because of the way JJ stands by her side as she confronts the Kooks for killing a baby turtle. He lets her take charge and say what she needs to, only getting involved when Topper puts his hand on her. JJ's taken the lead in these conversations in the past, and to see the roles reverse like this just proves why they work so well together. Plus, there’s the whole “You come near her, or any of us ever again, and I’ll come back and kill every single one of you.”

2. “He’s Happy.”

Jackson Lee Davis/Netflix

In episode 4x01, one of the scenes that stands out is JJ’s dance celebration when their bait, tackle, and charter shop is finally in business. When Sarah jokingly asks if he’s okay, Kiara answers, “Yeah, he just never really had a home. He’s happy,” and that’s why this moment is number 2 on the list.
With JJ being such a complex character, he needs someone who fully understands him and what he’s been through, and that person is Kiara. She knows he has to learn how to be in a relationship, how to handle money, and how to allow happiness and love into his life. That’s perfectly shown in the way she makes her way over to him, telling JJ that she loves him before the two share their first kiss of the season. JJ's added “We did it" is a sweet sentiment to how he now views the two of them as a team, as well as how far they’ve come. Cheers to Captain Maybank!

1. "I Already Got My Wish"

Netflix

There was no way this conversation wasn't coming at number 1. Because while it's one of the saddest TV scenes I've ever seen, it's also such a standout. We all know JJ has been into Kiara since the very beginning (and fans picked up Kiara's supposedly unscripted interest in season 1 when she asked John B. if he told JJ about their kiss). And during the Outer Banks season 4 ending, JJ tells Kiara with his literal dying breath that he doesn't need to wish on the Blue Crown because he already had everything he ever wanted.

There are so many layers to this scene, like the music echoing when Kiara and the Pogues find JJ in the water a couple episodes before (which is its own callback to Kiara rescuing JJ from drowning in season 2), and I couldn't think of any better way to say goodbye to this character than to see him in Kiara's arms. P4L, JJ. P4L.

Outer Banks Season 4 is now streaming on Netflix. Read up on why This Heartbreaking Outer Banks 5 Theory Makes THAT Death Even More Emotional.

This post has been updated.

Black Friday will be here before you know it, with thousands of retailers flaunting their best deals of the year. We're shoppers at heart, so you know we're already scoping out 2024's offerings! Given that the list of stores and brands hosting Black Friday and Cyber Monday sales this year is essentially endless, we're weeding out only the best deals from the places you love to spend (and save).

From beauty faves like Dieux and Kiehl's to home goods from Amazon and Walmart, these are the Black Friday deals you simply can't miss.

What is Black Friday?

Kaboompics / PEXELS

Black Friday is the Friday after Thanksgiving that typically signifies the start of holiday shopping season, though many retailers have started to launch their Black Friday deals earlier year over year. A lot of the deals that stores and brands offer during Black Friday outpace their other sales events (such as Memorial Day and Labor Day) in terms of savings.

When is Black Friday 2024?

Gustavo Fring / PEXELS

Black Friday will land on November 29, 2024.

What is Cyber Monday?

Cottonbro Studio / PEXELS

Cyber Monday is the Monday after Thanksgiving that highlights savings and deals online as opposed to in-store offers. It's one of the busiest times of year for online shopping.

When is Cyber Monday 2024?

Anna Shvets / PEXELS

Cyber Monday will land on December 2, 2024.

When's the best time to shop for holiday gifts?

Vlada Karpovich / PEXELS

We're big believers that it's never too early to start shopping for holiday gifts. The sooner you shop, the better, so you can check everyone off your list ahead of the busy holiday season and have some peace of mind once the real festivities start! Plus, if you're shopping online, starting early gives you ample time to wait for items to be shipped and delivered to your door. If deals and savings are what you're looking for, Black Friday and Cyber Monday offer some really great opportunities.

What's the best thing to shop for during Black Friday and Cyber Monday?

Kaboompics / PEXELS

The best thing to shop for during Black Friday deals and Cyber Monday promotions really depends on what your needs are as well as the items you're scoping out to treat yourself (or the people you're gifting for the holidays). Typically, big-ticket items like home appliances, tech products like earbuds, laptops, TVs, and tablets, and luxury self-care tools are heavily discounted during this time.

Beauty Sales

Amazon

Bliss Bright Idea Vitamin C + Tri-Peptide Collagen Brightening Serum

Bliss

When: November 20-December 17

What: 20-30% off select products

Ulta

Perricone MD High Potency Hyaluronic Intensive Hydrating Serum

Ulta

When: Now-November 23

What: Weekly deals on skincare, makeup, hair care, and fragrance.

IT Cosmetics

IT Cosmetics CC+ Cream Full-Coverage Foundation with SPF 50+

IT Cosmetics

When: November 23-December 3

What: 30% off sitewide (loyalty members get 35% off)

Amazon

Kiehl's Ultra Facial Cream

Kiehl's

When: November 21-December 2

What: 30% off site-wide and 50% off select items on November 26 only

Amazon

Lanolips Baby Baby Balms Set

Lanolips

When: November 29-December 2

What: 30% off at Ulta and 20% off on Amazon

Moroccanoil

Moroccanoil Original Treatment

Moroccanoil

When: November 25-December 3 (rewards members will have early access to the sale on December 2)

What: 25% off sitewide

NOYZ

NOYZ Love Club Eau De Parfum

NOYZ

When: November 28-30 and December 1-2

What: 25% off sitewide and a free baseball cap on purchases over $55 on November 28-30, 25% off sitewide and a free candle on purchases over $55 on December 1-2

dpHUE

dpHUE Gloss+

dpHUE

When: November 3-15

What: 25% off sitewide

Dieux

Dieux Baptism Gel Cleanser

Dieux

When: November 29-December 2

What: 30% off original price items, 20% off single items, and a free Mini Slugging Kit on orders over $30

ILIA

ILIA Skin Rewind Complexion Stick

ILIA

When: November 25-December 2, VIP members get early access November 24

What: 20% off sitewide, 25% off orders over $125, and 25% off plus a free full-size product for orders over $150

Ogee

Ogee Tinted Lip Set

Ogee

When: November 1-December 3

What: 20% off sitewide with code 'GIFTGLOW20' and receive free deluxe samples with purchases over $200 (November 28-December 3 only)

Amazon

Youth To The People Superfood Facial Cleanser

Youth To The People

When: November 23-December 3 on YTTP.com, November 21-December 2 on Amazon, and December 2 at Sephora

What:

  • YTTP: 30% off sitewide plus a free 3-piece gift with purchases over $85
  • Amazon: 20% off select products through November 27, 30% off select products starting November 28
  • Sephora: 30% off all products in-store and online

Hero

Hero Blemish Bestsellers Kit

Hero

When: November 25-December 2

What: 20% off sitewide

Amazon

Briogeo Don't Despair, Repair! Deep Conditioning Mask

Briogeo

When: November 20-December 2 on Briogeo's site, November 28 at Sephora and Kohl's, November 28-December 2 on Amazon, and December 2 at Ulta and Target

What: up to 30% off products

Ulta

Origins GinZing SPF 40 Energy-Boosting Tinted Moisturizer

Origins

When: November 24-30 at Ulta

What: 40% off moisturizers and 30% off cleansers

Fashion Sales

Amazon

Dream Pairs Genuine Suede Classic Platform Boots

Dream Pairs

When: November 21-December 2

What: 20-40% off select styles on the Dream Pairs site and Amazon

Madewell

Madewell The Essential Bucket Tote

Madewell

When: November 21-27

What: 30% off your purchase, including new arrivals

H&M

H&M Brushed-Finish Jacket

H&M

When: November 28-December 1

What: 30% off online only (November 28), 30% off online and in-store (November 29-30), and up to 50% off (November 30-December 1)

Old Navy

Old Navy '94 Half Zip

Old Navy

When: November 1-December 2

What: 50% off select products online and in-store (November 1-6), 50% off everything online and in-store (November 7-10), and 50% off everything online only and 50% off select products in-store (November 27-December 2)

Land's End

Land's End Medium Canvas Tote Bag

Land's End

When: November 29-December 3

What: 50% off, including customizable canvas totes, sheets, towels, accessories and more.

Showpo

Showpo Jondra Blouse

Showpo

When: November 22-December 3

What:

  • Black Friday early access (November 22-24): 25% off sitewide
  • Black Friday (November 27-29): 25% off sitewide
  • Cyber Weekend (November 30-December 1): 25% off almost everything and 40% off bestsellers
  • Cyber Monday (December 2-3): 25% off almost everything and 40% off bestsellers

Franco Sarto

Franco Sarto Jaxon Mid Calf Boot

Franco Sarto

When: November 23-December 3

What: Up to 70% off + free shipping

Oomiay

Oomiay Havasu Earrings

Oomiay

When: November 28-December 2

What: Free exclusive jewelry pieces (up to 5) with every item purchased on November 28-December 1 and up to 50% off your entire order on December 2 only

Barefoot Dreams

Barefoot Dreams CozyChic Solid Robe

Barefoot Dreams

When: November 27-December 1 (Black Friday VIP access starts November 25) and December 2-3 (for Cyber Monday)

What: 20% off 2 items, 25% off 3 items, and 30% off 4 or more items for Black Friday. The CozyChic Checks & Stripes Sock Set will be just $9.98 (was $45) on Cyber Monday only.

Local Eclectic

Local Eclectic Whimsical Charm Necklace

Local Eclectic

When: November 25-December 2

What: 20% off sitewide

Quince

Quince Italian Wool Classic Single-Breasted Coat

Quince

When: November 27-December 2

What: 40% off select products

Athleta

Athleta Aire Puffer Jacket

Athleta

When: November 27-December 1

What: 30% off sitewide

Home Sales

Revival Rugs

Revival Rugs Gambit Rug

Revival Rugs

When: November 14-December 2

What: Scaled discounts automatically applied at checkout:

  • 15% off $250-500
  • 20% off $500-999
  • 25% off $1,000-1,999
  • 30% off $2000+

Walmart

Samsung 55” Crystal UHD 4K Smart TV

Walmart

When: November 11-December 1

What: Walmart is breaking up their Black Friday and Cyber Monday deals into two events.

  • Event 1 deals begin online on November 11 at 12 p.m. ET exclusively for paid Walmart+ members and 5 p.m. ET for all customers.
  • Event 1 deals begin in stores on November 15 at 6 a.m. local time.
  • Event 2 deals begin online on November 25 at 12 p.m. ET exclusively for paid Walmart+ members and 5 p.m. ET for all customers.
  • Event 2 deals begin in stores November 29 at 6 a.m. local time.
  • Cyber Monday deals start online on December 1 at 5 p.m. ET exclusively for paid Walmart+ members and 8 p.m. ET for all customers.

Amazon

TheraGun Sense Percussion Massage Gun

Amazon

When: November 29 and December 2 (tentative)

What: Amazon will feature "tons of great deals across all different categories."

Brookstone

Loftie Sunrise Lamp

Brookstone

When: November 25-December 4

What: Up to 76% off select items

Ruggable

Morris & Co. Strawberry Thief Sage & Rose Tufted Rug

Ruggable

When: Starting November 26

What: 25% off sitewide (exclusions apply) with code 'BF24'

Brümate

Brümate Era 40-Ounce Tumbler

Brümate

When: November 26-December 2

What: 20% off coolers and 25% off drinkware with code 'HOLIDAY25'

sproos!

sproos! Lookin Good Handheld Shower System

sproos!

When: November 27-December 2

What: 30% off of the Lookin' Good Bundle on sproos.co and Amazon

Great Jones

Great Jones x Fellow Kettle

Great Jones

When: November 4-December 2 on Great Jones site and November 21-December on Amazon

What: up to 50% off sitewide and 20-33% off select items on Amazon

Amazon

Contigo x Ally Love Stainless Steel Vacuum-Insulated Tumbler

Contigo

When: November 21-December 2

What: 25% off the Contigo x Ally Love Collection

Parachute Home

Parachute Home Percale Sheet Bundle

Parachute Home

When: November 23-December 3

What: 30% off sitewide

Anecdote Candles

Anecdote Candles Holiday Host Bundle

Anecdote Candles

When: November 20-24 and November 29-December 2

What: 25% off everything from November 20-24 and up to 40% off (20% off any order, 25% off orders over $100, 30% off orders over $150, up to 40% off bundles) plus a free wick trimmer with purchases over $90 on November 29-December 2

Fracture

Fracture Large Rectangle Glass Print

Fracture

When: November 14- December 1 and December 2-3

What: 30% off sitewide plus free shipping for orders over $150 on November 14- December 1 and 30% off sitewide plus free shipping for orders over $150 and 35% off orders over $275 on December 2-3

Food + Supplement Sales

Cure

Cure Electrolyte Drink Mix Starter Kit

Cure

When: November 26-December 3

What: 25% off sitewide on all Electrolyte Drink Mixes, Cure Kids, Energy Teas and merch with code 'HELPYOURSELF25'

Ritual

Ritual Essential, Gut & Skin Trio for Women

Ritual

When: November 13-December 2

What: 40% off all products for new customers and 40% off all new subscriptions only

More Sales

Petco

Native Pet Omega 3 Fish Oil For Dog Skin & Coat

Petco

When: November 23-30

What: 50% off select items

Subscribe to our newsletter to shop even more Black Friday and Cyber Monday deals!

Brit + Co may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

This post has been updated.

The best things around the holidays are comforting and familiar. To be surrounded by friends, family, tradition, and delicious Thanksgiving appetizers is just amazing! So, in the spirit of all things warm and cozy, we rounded up 6 of the best Thanksgiving TV episodes from our favorite shows. Whether you’re into old-school Full House shenanigans or the mishaps of Modern Family, these are the six comfort shows that will make you laugh through all throughout Thanksgiving weekend.

Hulu

1. Full House Season 1, Episode 9 "The Miracle of Thanksgiving"

Watch on Hulu: We look back at season one of Full House with fond memories — mostly for this iconic episode wherein Joey constantly announces the arrival of the miracle *cue trumpet sound* of Thanksgiving. It’s not about how good the dinner turns out, it’s the fact that you even tried to roast a turkey.

IMDB

2. Boy Meets World Season 4, Episode 10 "Turkey Day"

Watch on Disney+: After learning about tribal prejudice in Africa, Cory and Shawn decide to combine family celebrations of Thanksgiving. The result is a touching but, of course, funny take on how different families celebrate in different ways. Reaching across the table is the new reaching across the aisle!

IMDB

3. Friends Season 5, Episode 8 "The One With All the Thanksgivings"

Watch on Max: You didn’t think we’d make it through this list without mentioning this iconic Thanksgiving TV episode, did you? It’s the one where the gang relives their terrible Thanksgivings of the past and Monica somehow winds up with a turkey on her head. Classic.

IMDB

4. How I Met Your Mother Season 3, Episode 9 "Slapsgiving"

Watch on Hulu: Every year, Thanksgiving is a great opportunity to honor traditions. Our favorite tradition? Slapsgiving from HIMYM. The episode that started it all — and forever struck fear into Barney’s heart — is our favorite Thanksgiving episode from the nine-season run!

IMDB

5. Modern Family Season 6, Episode 8 "Three Turkeys"

Watch on Hulu: It’s always nice when people pitch in and offer to help, but it can be impossible to know whether or not they’ll follow through. This hysterical holiday episode of Modern Family sees the clan end up *somehow* with three turkeys at the Thanksgiving table. At least there’s plenty of leftovers…

IMDB

6. Gilmore Girls Season 3, Episode 9 "A Deep-Fried Korean Thanksgiving"

Watch on Netflix: If you’re overbooked this Thanksgiving, just consider Lorelai and Rory, who celebrated four Thanksgivings in one day. Of course things go wrong, as they do with everybody’s Thanksgiving. It’s probably one of the most relatable episodes around holiday time.

Are there any shows we missed? Let us know your favorite Thanksgiving episodes @BritandCo!

This post has been updated.

Budgeting for the year is the last thing most of us *want* to do, but it's probably the most important in order to achieve your life goals. "Whether you want to pay off debt or build wealth, the budget’s entire job is to increase your net worth," says Erin Skye Kelly, author of Get the Hell Out of Debt: The Proven 3-Phase Method That Will Radically Shift Your Relationship to Money. "A budget says that you matter, and your dreams matter — and when we take care of ourselves first financially, we are in a better position to help others." Here are some of the most-Googled questions about debt answered, plus realistic ways to get out of debt in 2025 and starting living your best life.


How Do I Pay Off Credit Card Debt?

Photo by Mikhail Nilov

If you're serious about reducing your debt, you'll have to cut back on your nonessential spending by setting a realistic monthly budget for expenses like dining out or entertainment. Come up with a payment strategy that works best for you and your current financial situation. For example, focus on paying off the card with the highest interest rate first while making minimum payments on others. Once the highest-interest debt is cleared, roll that payment into the card with the next highest interest rate. This approach reduces the overall interest you pay and can help you become debt-free faster.

What Is A Debt Snowball?

Shutterstock

A debt snowball is a debt repayment method where you focus on paying off your smallest debts first, regardless of interest rate, while making minimum payments on larger debts. The debt snowball method is popular because it builds momentum and motivation, giving you a psychological boost as you see debts disappearing one by one. Once the smallest debt is paid off, you take the amount you were paying on it and apply it to the next smallest debt. This creates a "snowball effect," where your available payment amount grows as each debt is eliminated, helping you pay off larger debts faster over time.

How Do I Get Out Of Debt?

Shutterstock

When it comes to getting out of debt, the method that works best for you might be different than what works best for someone else. To get started, list all your debts, including balances, interest rates, and minimum payments. This gives you a clear picture of what you owe. Analyze your income and expenses to see where you can cut back and direct any extra funds toward your debt. Avoid new debt: Shift to a cash or debit-only system to prevent accumulating more debt while paying off what you already owe.

There are a variety of factors, from financial situation to income to dependents, but no matter what your life look like right now, here are some realistic ways to help you conquer your debt.

Create An LBD (Little Budget Library)

B+C

A little budget diary is a way to take stock of all your monthly and annual expenses, such as subscriptions, streaming services, and groceries — and write them all down in your LBD, says Brit + Co's Money School instructor Nicole Lapin. "You'll reference this all year — weekly is best — so you'll want to start off on the right foot with an easy-to-reference LBD. Don't make it hard. It's an easy task that will help you get organized quickly," she says.

Be Realistic About Your Finances

B+C

"Do not be aspirational with your numbers," says Skye Kelly. "Pay attention to how you ACTUALLY live and how you ACTUALLY spend and work from there." Track your expenses for a month to create an accurate budget, review your paycheck and follow the 50-20-30 rule. These are the percentages you should spend on essentials, your future, and your lifestyle (non-essentials) with the goal to live within your means and eventually start saving and investing.

Check out Brit + Co's Teach Me Something Newpodcast with finance pro Tonya Rapley for breaking out of the paycheck-to-paycheck cycle.

Set Your Sights On Big Goals

B+C

Whether it's that dream bucket-list trip or a buying your first home, think about what your long-term goals are and think big when planning a budget. "When we are committed to a massive financial goal (retiring early and traveling the world with your life partner) suddenly the decision between roses or calla lilies as a wedding bouquet seem meaningless, and we are more inclined to find ways to spend less so we can meet our long-term financial goals," says Skye Kelly. She adds: "Create a budget for the milestone, stay resourceful and use points, seasonal sales, and help or hand-me-downs where you can."

Check out Brit + Co's Teach Me Something New podcast with The Points Guy for credit card tips and travel hacks.

"Spring Clean" Your Finances

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Take a moment to organize your expenses. Dedicate a weekend afternoon and delete unused subscriptions, close and consolidate accounts, check in with your savings and retirement plans to make sure they're working for you, reduce auto-renewals, and unload credit card debt byconsolidating them into a single low-interest personal loan. It will feel as good, if not better, than spring cleaning your house, plus think about the money you'll have saved in that afternoon.

Find Your Side Hustle

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Beyond just reducing your expenses, look at ways you can increase your income so you can start saving andinvesting to grow your wealth. "Increasing income might look like side jobs, part-time employment, creating an income stream, selling clutter around the home, or creating a product or service that meets the demands of the marketplace," says Skye Kelly. Look at selling clothes on resale sites, having a garage sale come spring, selling books online, starting an Etsy shop if you have a creative interest... anything that will add some extra cash in your pocket each month.

It's OK If It's Not Perfect

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"Because budgets are rooted in math, we tend to see everything as right or wrong, which *shudder* brings up a lot of grade-school math class shame for many of us," says Skye Kelly. "If you plan your budget at the beginning of the month and at the end of the month it was only 80% accurate, you are likely killin’ it financially. I’ve asked hundreds of financial experts over the years ‘how many times did you get the budget exactly right?’ and every single answer has been ‘zero times.’"

Avoid Making Money Decisions During Hard Times

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Mental wellness plays a big role in how we view our expenses and often we can make decisions in order to make us feel better (retail therapy, anyone?) instead of making healthy long-term financial decisions. "Having a line item in the budget for guilt-free spending is critical if you can afford it," says Skye Kelly. "This guilt-free spending money is there for times you want to splurge even though you might not be able to justify it."

Skye Kelly says it's best to avoid major financial decisions if you can for at least 6 months:

  • After a significant death or when you are grieving
  • While you or a loved one are experiencing a critical illness or at the onset of a new disability
  • After a major breakup or divorce
  • When you’ve entered into a new romantic relationship
  • If you’ve been diagnosed with or suspect you have a mental illness and are awaiting treatment

"During these times we are highly likely to make emotional or impulsive decisions. Give yourself time to regulate some of the higher intensity emotions that might be driving the urge to spend."

Curious about crypto? Check out Brit + Co's Teach Me Something Newpodcast with finance pro Nicole Lapin for a primer on how to make your first crypto investment.

How are you getting out of debt in 2025? Let us know on Twitter and check out our email newsletter for the latest tips on saving money.

This post has been updated.

It can be tricky to navigate seasons of life where money is tight and the cost of living is high. You want to make sure you aren't wasteful with what you have, but you also want to have some fun. Getting on top of your finances requires more than just checking your balance at the end of the month, and that's why we talked to cool girl and self-proclaimed "Financial Popstar" Haley Sacks (AKA Mrs. Dow Jones).

These money tips will make saving money more fun, and help you better understand the world of finance so that you can achieve your own "Financial Glow Up." Here's how you can start saving money for your dream life today.


Image via Adrien Pellerin

Contrary to what you might have been taught, you don't have to entirely cut fun things out of your life in order to save money. Doing so might actually have the opposite effect: you could burn out and spend way more than you would have if you simply added spending into your budgeted.

"If it’s a splurge that you’re obsessed with and will up your quality of life — then let’s figure out how much it costs and how you’re going to pay for it," Sacks says. She recommends the 50-30-20 method for your budget.

"Start by calculating your after-tax income and break it into 3 categories: 50% for needs, 30% for wants, and 20% for future you!" she continues. "That 30% number is what we are going to focus on. That’s the amount you can spend every month on…whatever you want. This splurge included! Just make sure you don’t go over that number because you should never spend on your current self if you’re not also putting money away for future you."

Saving Up For Your Financial Goals

Budgeting helps you divide up your savings before the money goes into your account. That way, you always know what you're saving for. (It's also a good idea to have extra savings because you never know when your car will need a new battery or if you'll have an unexpected trip to the ER).

Saving requires some self-control since it's money you aren't able to spend right now, and it can be difficult to release your current spending habits. "[That stubbornness] really just comes from a fear of the unknown," Sacks says. "We often choose what is comfortable over what’s new! But the more you understand why you’re doing something, the more that stubbornness can be released." Here are some specific financial goals to save up for:

Goal: Becoming Debt-Free

Think how much more money you'll have to save *and* spend once your debt is paid off! Check out the snowball method vs. the avalanche method to figure out what's best for you, and just take it one day at a time.

Goal: Taking A Bucket-List Trip

Whether you've been dreaming of going to France since Emily in Paris dropped or you want to go on a solo trip to your favorite small town, you'll definitely want enough cash to have a good time. You can't go wrong spending money on an experience you'll love.

Goal: Scoring Tix To See Your Favorite Performer

Concert merch, movie tickets, name brand collections — start saving now for these once-in-a-lifetime events and your future self will thank you.

How To Start Investing

Investing is different than a regular savings account. When you invest your money, instead of just sitting in an account, it's put to work in a variety of projects so that you make a net profit and end up with more money than you had before. You can invest with a retirement plan, or government-related options like stocks and bonds. Here's some more investing info to get you started.

Consider getting a financial advisor early in life. Financial advisors can really make a difference in your long-term goals, whether you want to buy a home, start a family, or retire well. Make sure you find a certified financial advisor who is a fiduciary, which means they are legally or ethically bound to act in your best interest. They can help you figure out where to invest your 401Ks and really help you invest and build your savings over time.

How To Become Financially Literate + Financially Independent

Financial independence can feel like a crazy goal when you're in the throes of debt and bills. But there's one thing that can help you move toward it: financial literacy. After all, knowledge is power.

"The more that you take control of your finances, the more you take control of your life and destiny," Sacks says. "Financial literacy also ensures you never get taken advantage of and that you’re maximizing the benefits of all the financial products you use."

Everyone has a different financial situation, which means that everyone has to make different financial choices. Taking a step toward financial independence can mean anything from reexamining your grocery bill to creating streams of passive income that make you money while you sleep (more on that later).

All in all, financial literacy and financial independence can go hand-in-hand. Check out the 5 Tax Terms That Can Save You Money, or these 6 Money Tips For Kids. It's never too early to learn!

How To Make Saving Money Less Boring

You might be thinking, "Saving money just doesn't sound fun," and technically you're right. Saving might not feel fun on its own, which is exactly why we're here! Pinterest Predict's Cha-Ching Challenge got us thinking about ways that we can turn saving into a game. Try one or all of these ideas, and let us know your favorite.

Make Learning Fun

If you want to learn more about finances, find a program that puts the terminology into your language, like Sacks' own aspirational finance media company, Finance Is Cool. "It makes being good with your money chic," she says. "I designed it with the goal of helping the future rich people who follow me take control of their finances step-by-step and provide them with the tools they need to grow wealth, all with a little humor and a lot of Kardashian references so we can have fun while we learn."

Maximize Your Card

If you have a credit card, or a debit card with benefits, use the points and rewards to your advantage. Sacks loves the Amex Rewards Checking account. "I earn Membership Rewards points on eligible Debit Card purchases that I can use on shopping, traveling, and more," she says.

Set up an automated deposit into your checking account when the rewards reach a certain number, or save up all your points for a dream-worthy trip during the summer. You can also check out Brit's interview with The Points Guy for more inspo.

Make Money In Your Sleep

Create one (or more) streams of passive income to bolster your paycheck. You can create downloadable guides and video tutorials, sell photography, or add affiliate links to blog posts, but the beauty of passive income is that whatever you choose will do the work for you.

Have Regular Money Dates

A money date can be carving out time for yourself (or with your partner) to create a comfortable space and review your priorities, values, and overall financial goals and hopefully actually set a plan in motion to achieve those. Take yourself out to a cafe or have a glass of wine by your side to make it fun while feeling good about where you're going. Good luck!

With so much information at our finger tips, it's never been easier to take control of your finances. Check out our email newsletter for more money tips and tricks to help you have your own financial glow up.

Lead image courtesy of Pexels/Karolina Grabowska.