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  1. K

    The Exception to the Rule: When Whole Life Insurance Makes Sense

    While whole life insurance is generally expensive, you’re not only paying for the permanent death benefit but also for other guarantees (e.g. premium amount, duration, cash value). Something about guarantees is easy to plan around. In terms of asset distribution, much like any cash-equivalent...
  2. K

    Student Loan Forgiveness Forms and Instructions

    If you have federal student loans and feel the pressure of debt weighing on you, you might be looking into student loan forgiveness. You might qualify to get your federal student loan debt forgiven through Public Service Loan Forgiveness (PSLF) and income-driven repayment (IDR) plans. Read on to...
  3. K

    How Moving Overseas to Avoid Student Loans Can Help You

    Thinking of moving overseas to avoid student loans? You're not alone. We have many clients in New Zealand, Australia, Europe, the Middle East and Asia who are legally paying $0 a month on their federal student loans. They’re not committing tax fraud or in default, and they’re going to have a...
  4. K

    How to Complete a Paper Income-Driven Repayment (IDR) Application

    There may come a time when you need to submit a paper income-driven repayment (IDR) application for your federal student loans instead of using the online option. While this paper process might seem outdated and overwhelming, this step-by-step guide helps you navigate the process smoothly...
  5. K

    IDR Application Pause 2025: Key Updates for Student Loan Borrowers

    For the last four weeks, millions of student loan borrowers have been in limbo after the Department of Education (ED) took down applications for income-driven repayment (IDR) plans and suspended all processing. During that time, there has been a whirlwind of developments. Here’s where things...
  6. K

    When to Submit Your Student Loan IDR Recertification (Updated for 2025)

    Federal student loan borrowers in repayment under income-driven repayment (IDR) plans have had a rollercoaster of a month. But now they may finally have some clarity after the Department of Education published updated guidance. While multiple legal challenges continue, here's a breakdown of...
  7. K

    Worried About the Student Loan Tax Bomb (Again)? Here’s Why Most Borrowers Don’t Need to Panic

    The American Rescue Plan from 2021 made student loan forgiveness tax-free until the end of 2025. That change was key to making the student loan cancellation programs put forward by the Biden administration possible at all. But student loan cancellation failed (for the most part), except for some...
  8. K

    Should You Stay on the IBR plan? How to Know If It Still Makes Sense

    Congressional Republicans are proposing major changes to income-driven repayment (IDR) plans. If you’re one of the many borrowers on Income Based Repayment (IBR), you may be wondering: Should I stay on the IBR plan? Or switch to something else? We’ll share some tactical decision-making tips on...
  9. K

    3 Updates on IDR and PSLF Processing as 2 Million Student Loan Borrowers Remain Stuck

    Hundreds of thousands of federal student loan borrowers remain stuck in limbo due to a massive backlog in the income-driven repayment (IDR) system. And while borrowers got some marginally good news last week, the situation remains largely unchanged. For several months, millions of borrowers have...
  10. K

    Worrowing Jervis Bay: A Winter Getaway From Sydney

    This article on Worrowing Jervis Bay may contain affiliate links. If you click and make a purchase using these links, I will make a small commission at no extra cost to you. Frugal Frolicker specializes in outdoor travel adventures. The post Worrowing Jervis Bay: A Winter Getaway From Sydney...
  11. K

    Elements of Byron: Nature & Luxury in Byron Bay

    This article on Elements of Byron: Nature & Luxury in Byron Bay may contain affiliate links. If you click and make a purchase using these links, I will make a small commission at no extra cost to you. Frugal Frolicker specializes in outdoor travel adventures. The post Elements of Byron: Nature...
  12. K

    Livin’ The Luxurious Lagoon Life at the Sheraton Grand Mirage Resort Port Douglas

    This article on The Sheraton Grand Mirage Resort Port Douglas may contain affiliate links. If you click and make a purchase using these links, I will make a small commission at no extra cost to you. Frugal Frolicker specializes in outdoor travel adventures. The post Livin’ The Luxurious Lagoon...
  13. K

    Gold Coast Hot Air Ballooning: A Bucket List Experience You Didn’t Know You Needed

    This article on Gold Coast Hot Air Ballooning may contain affiliate links. If you click and make a purchase using these links, I will make a small commission at no extra cost to you. Frugal Frolicker specializes in outdoor travel adventures. The post Gold Coast Hot Air Ballooning: A Bucket List...
  14. K

    Reef Sleep Whitsundays: A Great Barrier Reef Underwater Hotel & Glamping Experience

    This article on Reef Sleep Whitsundays may contain affiliate links. If you click and make a purchase using these links, I will make a small commission at no extra cost to you. Frugal Frolicker specializes in outdoor travel adventures. The post Reef Sleep Whitsundays: A Great Barrier Reef...
  15. K

    Mirumiru Bubble Tent: Unique & Sustainable Accommodation in Tenterfield

    If you’re looking for a weekend road trip from Byron Bay, Brisbane, or the Gold Coast that’s a little more off the beaten path, the search is over. You’re going to Tenterfield! Frugal Frolicker specializes in outdoor travel adventures. The post Mirumiru Bubble Tent: Unique & Sustainable...
  16. K

    Fyrefly Retreat: A Luxury Tiny Home in the Gold Coast Hinterland

    This article on Fyrefly Retreat: A Luxury Tiny Home in the Gold Coast Hinterland may contain affiliate links. If you click and make a purchase using these links, I will make a small commission at no extra cost to you. Frugal Frolicker specializes in outdoor travel adventures. The post Fyrefly...
  17. K

    The Best 4 & 5 Star Hotels in Sri Lanka (Boutique Hotels Included!)

    This article on The Best 4 & 5 Star Hotels in Sri Lanka may contain affiliate links. If you click and make a purchase using these links, I will make a small commission at no extra cost to you. Frugal Frolicker specializes in outdoor travel adventures. The post The Best 4 & 5 Star Hotels in Sri...
  18. K

    InterContinental Bali Resort: 7 Things You MUST Do When Staying At This Hotel In Jimbaran

    This article on the InterContinental Bali Resort may contain affiliate links. If you click and make a purchase using these links, I will make a small commission at no extra cost to you. Frugal Frolicker specializes in outdoor travel adventures. The post InterContinental Bali Resort: 7 Things...
  19. K

    The Mulia Bali: Biggest & Best Luxury Hotel in Nusa Dua

    This article on The Mulia Bali may contain affiliate links. If you click and make a purchase using these links, I will make a small commission at no extra cost to you. Frugal Frolicker specializes in outdoor travel adventures. The post The Mulia Bali: Biggest & Best Luxury Hotel in Nusa Dua...
  20. K

    From Backpacker to Permanent Resident: Celebrating My 3 Year Aussieversary

    On December 12th, 2014, I arrived in Sydney with my life a freshly blank slate (read: big giant question mark). I’d just quit a job I enjoyed, moved out of an apartment that had been my home for 5 years, sold/stored 95% of my belongings, and booked a one-way ticket to Australia without a plan...

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