Student Loan Repayment: My Current Strategy is a Trivia App named Givling

Student Loans seriously suck.

It makes me nauseous every month when I have to submit a $760 payment to MyFedLoan.

But I can’t blame this one anyone else other than myself.  I didn’t have a job in college.  I took on the max offered to me on several occasions.  And I initially graduated wanting to work with non-profits which offer historically bad starting wages.

In fact, my first job after graduation was working as a Case Worker for disenfranchised clients, and they paid me $12/hour.  Yikes.  Bartending and shift work was starting to look appealing.

I went back to school to help with my professional development, took out some more loans to help, and eventually graduated with my Masters in Healthcare Administration.  It has opened many more doors for me and helped me secure a job I love – but came at a price.  $760/month.

I can make this payment.  I mean it hurts my bank account, but I can chip away at it for the next 10+ years.  But the crappy thing is, with interest – the original $63k loan ends up costing me $90,000+.  Yuck.

That is where my back-up plan kicks in.  I have googled and searched for innovative ways to try and help reduce this burden, but I usually don’t qualify for any of the other special programming options like teachers and clinical staff can often find.

But my back-up plan is a free Trivia app game.  It’s called Givling and has currently paid off 17 student loans valued at over $830,000.  They have been done in less than 2 years and it is growing so fast!  They pay off up to $50k towards your student loan – and if you don’t have them, they will put it forward as a down payment on a mortgage!

You play two games of trivia today, earn “queue” points,” and hope to have the highest score for a quick payout or climb the leader ladder.  It’s pretty simple – and I usually play and watch the video ads for extra points in between conference calls, on the toliet, or while I am microwaving lunch.  It’s fun and has become a part of my daily routine.

Givling is free to download.


Free to play.

And it gives me a silver lining of hope that if enough of us Student Loan Debtors play a day, we can meet Givling’s goal of fully funding a $50,000 loan a day! 

That sounds insane.

But so is paying $760/month until I am 45.

If this story sounds similar to yours, let’s work together and see what we can knock out and contribute.

Less than 2 minutes a day playing trivia can help impact.

Check out  Givling’s Facebook Page.

Download the app.  If you hate it, delete it.

Most likely you can’t afford to NOT to take a look.

Invite Code to Start:  JF297473 

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June Puzzle: Completed

I love horses – any breed, any color, any size. My sister gave this magnificent puzzle with the seven mustangs running through a creek bed as a birthday gift – and it is beautiful completed.

Just over 16 hours to full completion…the toughest part was all the water and reflections of their coats!

Titled: Born to Run

Puzzle Quest: A 2018 Challenge

In 2017 I made a personal goal to read 1 book a month.

I started a little late, but suceeded in working through a variety of 12 books – ranging from non-fiction, personal growth, fiction, and even snuck in a classic.

2018 deserved it’s own, new challenge. And for reasons unknown, I landed on “Puzzle Quest.”

I thought this would be a different type of challenge and one that could include the whole family over a single weekend. I figured completing a puzzle a month would be no problem at all!

Little did I know…

Do you know how time consuming it is to complete a puzzle?!

I don’t think I had ever worked on one that had over 250 pieces – but it was go big or go home and I started off with a 1000 piece selection.

Just separating the “outside pieces” took several hours and by that point I was already very frustrated and surprised with the time commitment.

Over the next few weeks I would hunt and peck at my Thomas Kincade Lighthouse Puzzle. When it was all said and done – I think it took about 36 hours.


But oh the satisfaction!

I started on my February puzzle – a Star Wars theme. And then completed one for March – a holographic Island in the Sky.

Beginning Stages: titled “You’re Gonna Go Far, Kid.”

Finished Product

April and May were filled with ups and downs in my personal life – and my 2018 “Puzzle Quest” fell down my list of priorities.

But I still have a few weeks left in June and want to restart up this mission!

I have THREE amazing puzzle options at this time:

  • A group of wild horses running through a forest puzzle (1000 pieces)
  • A single horse stallion that has irregularly shaped pieces puzzle (1000 pieces)
  • An earth goddess puzzle with glitter embedded in the pieces (1000 pieces)

Which puzzle should I work on to complete the June challenge and propel me down my 2018 Puzzle Quest?

I am feeling ambitious and dedicated to the cause, so this weekend I plan on getting started.

I know curious minds need to know – so I will update my progress over these next few weeks!

Let me know which puzzle sounds best!

To be continued…

Give Me My Name

A “Name” can be considered a mythical piece of information that provides insight to future success, or simply an arbitrary label for identification.  Either way still serving as the initial vessel to provide information and allow us form first impressions.

Because of the well-known power of the “First Impression,” I imagine most Bloggers who put together websites probably spend a significant amount of time cooking up a name. Weeks, months, and maybe even years could pass as this idea ferments until the creator finally decides and finds its “Name.”  For additional effect, envision the dramatic scene from the NeverEnding Story where Bastian has to give the Childlike Empress a new “Name” so that Fantasia doesn’t collapse.  That is the power of a “Name.”

I decided to start a blog about 1 hour ago.  I came up with a name in about 15 minutes. My Last Best Place is where I landed.

Obviously, there was some cheating involved since most Montanans will recognize “The Last Best Place” as a tourism tagline.  So while I didn’t go through an existential creative process to find a fitting name, this is the first thing that came to mind.  Which is strange to me considering all the fun word play I could do with “Jagers” or “Freiboth.”

So “My Last Best Place” it will be.

59106.  Family.  Friends.  Neighbors.  Montana.  and Beyond.

Sidebar:  In case you are curious, the “Last Best Place” phrase actually has a pretty interesting origin story.  Additionally, in 2008 a businessman from Las Vegas tried to trademark it for exclusive use at his resort in Western Montana, which obviously caused an uproar and led to eventual legislation banning the ability to do so.  Read more by clicking here.

Long Time Lurker. First Time Posting.

I already have a Facebook.  I utilize Insta to edit my photos.  I tried the Twitter thing. Love Snapchat’s filters.  So, with all of these social media outlets one may wonder why I feel the need to have a website.

It’s because I am tired of lurking.  I want to contribute and not just in the sense of creating “dank memes” or by sharing politically charged articles that I likely didn’t read all the way through.  I want a creative outlet.  This is the medium that will allow me to create, experience, and share.

You might like to lurk too.  Some of us have really perfected that ability to fly under the radar of social networking platforms – sticking to liking pictures, wishing Happy Birthdays, or occasionally checking-in at a concert.

But this minimal interaction footprint you leave is misleading.  Little does your friend list know the amount of time you spend scrolling through updates or clicking through old college albums from 2004.

You are curious.  And that is okay.  I am glad you made it here.  Lurk away.


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